vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: 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: IL

Complaint narrative:
I was trying to apply for a loan. I was told the phone number on file with Experian was not my actual phone number, they were mismatched. I try creating an online account with Experian to fix this, I am unable to create an account because they ironically can not verify my identity because of my phone number. I tried to call customer service to speak with a representative, however the automated system doesn't allow you to speak with anyone no matter what options you pick. I then wrote via physical mail to the company providing my identifying information, utility bills and ID documents. I haven't heard back from experian via phone, email, or physical mail. I tried to reach back out to them over the last month and have not hear anything. 

This is preventing me from getting approved for a loan. And there is no way to talk to a person at Experian their customer service is a just a list of automated options.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase Sapphire Reserve cardholder and booked a two-night stay at a hotel listed under The Edit by Chase Travel entirely through the Chase Travel portal . The booking met all published requirements and I received all The Edit on-property benefits, including breakfast and the {$100.00} property credit.

Because of how Chase Travel routed the booking, the hotel charged my card at checkout rather than as a prepaid charge. This payment method was not disclosed as disqualifying at checkout and was not something I could control.

I contacted Chase and was initially told the issue would be resolved and the {$250.00} Edit credit applied. After follow-up, the request was denied, including once for the incorrect reason that the hotel was not part of The Edit collection, which I verified was false using Chases own website.

Chase has since acknowledged multiple escalations but continues to deny the credit based solely on a technical processing issue caused by its own booking system. I am requesting correction of this internal error and application of the {$250.00} Edit credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I authorized this account ; however, the services promised by the company were not provided as represented. The creditor continues to report inaccurate account information, including comments and account status that do not reflect the actual circumstances. 

I disputed this account directly with XXXX XXXX, and TransUnion. Despite these disputes, the inaccurate information continues to be reported without proper investigation or correction. 

I am requesting that the company provide documentation supporting the accuracy of the information they are reporting, including proof that the services were delivered as agreed. If the company can not substantiate the account as reported, I request that the inaccurate information be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Received an American Express gift card and can not use it at restaurants or stores. Can not add it to XXXX XXXX. American Express number does not give you a person to talk to to resolve. 
American Express {$500.00} XXXX Barcode identification number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
I formally dispute the accuracy, ownership, and verifiability of the information being furnished regarding the referenced account. 

The respondents reliance on FDCPA validation timing is misplaced and does not address its ongoing obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Regardless of any alleged validation notice sent in 2021, a furnisher must ensure that all information reported is accurate, complete, and verified after receiving a consumer dispute. 

To date, the respondent has failed to provide any evidence demonstrating : Legal ownership or assignment of the alleged debt The accuracy of the balance being reported That a reasonable investigation was conducted in response to my dispute Merely stating that a validation notice was mailed and not returned does not satisfy the furnishers burden under the FCRA. A consumers right to dispute inaccurate credit reporting is not limited to the FDCPA validation period, and continued reporting of disputed information without substantiation constitutes furnishing unverified and potentially inaccurate information. 

The respondents admission that it is not required to validate the debt while continuing to report the account underscores the violation : reporting without verification after notice of dispute. 

Because the respondent has not substantiated the accuracy, ownership, or balance of this account, continued credit reporting is improper and unlawful. The appropriate remedy under the FCRA is deletion. 
I request that the CFPB require the respondent to either : 1. Produce competent evidence demonstrating compliance with 15 U.S.C. 1681s-2, or 2. Immediately delete the account from all consumer reporting agencies to which it has been furnished. 

Absent substantiation, deletion is the only compliant resolution. 

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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I dispute the following accounts on my Equifax credit report. These entries are inaccurate and should be corrected immediately. Please review these accounts for compliance with FCRA standards. 

Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following accounts on my Experian report, as they are inaccurately reported : Charged Off : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, XXXX XXXX : XX/XX/XXXX, Balance : {$3200.00} XXXX, Account Number : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$340.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Company has been increasing my interest rate monthly which increases my payment, saying that they haven't received their duplicate title. I have taken days off of work to obtain the title. I send them the title and they say it's not received. So I send again and they say it was lost. So I send again and they say it's received and my payment goes back down. Then the next month it's increased again. And they say the title was never received. I have been dealing with this for 3 years. It's fraudulent practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: 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: TX

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

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America failed to properly investigate and reimburse unauthorized electronic fund transfers resulting from elder financial exploitation, in violation of Regulation E and applicable elder abuse guidance. 
What Happened My father, XXXX XXXX XXXX, XXXX, an elderly customer, was the victim of a prolonged scheme of financial exploitation perpetrated by his son, XXXX XXXX XXXX. 
XXXX XXXX XXXX fraudulently impersonated his father to a reverse-mortgage provider ( XXXX XXXX XXXX, causing funds to be withdrawn without authorization and deposited into XXXX XXXXXXXX XXXX Bank of America account . Those funds were then immediately transferred out of the account to XXXX XXXX XXXX personal account. 
XXXX XXXX XXXX did not authorize these transactions, did not understand them, and did not benefit from them. The fraud was concealed and only discovered later due to his advanced age and the extraordinary circumstances of caring for his terminally ill spouse. 
Bank of Americas Response Bank of America acknowledged the fraud but reimbursed only {$4800.00} of a {$110000.00} claim, citing : A claim that the transfers benefited a valid signer Alleged untimely notice under a 60-day reporting rule Bank of America has not provided documentation supporting authorization, nor explained why repeated large transfers between unaffiliated accounts and an immediate family member did not trigger fraud intervention. 
Why This Is Wrong Regulation E defines unauthorized transfers to include those initiated by fraud or impersonation, regardless of signer status. 
Regulation E places the burden on the financial institution to demonstrate authorization. 
Elder financial abuse frequently involves delayed discovery, which Bank of America failed to consider. 
The transaction pattern matches recognized elder abuse red flags, yet Bank of America appears to have applied no enhanced scrutiny. 
Resolution Requested 1. Full reimbursement of all unauthorized transfers 2. Production of all investigative records relied upon by Bank of America 3. Confirmation that elder financial exploitation procedures were applied 4. Review of Bank of Americas compliance with Regulation E and elder abuse guidance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
I am filing a new complaint regarding XXXX continued failure to resolve a fraud-related block on a newly approved Citi / XXXX XXXX XXXX credit card. This complaint is related to my prior CFPB complaint ID XXXX, which is now closed to updates. 

After the initial complaint, I escalated the issue internally and was routed to XXXX XXXX XXXX XXXX. I was provided a reference number and advised that my case was escalated to the highest level of the XXXX XXXX, and that a fraud XXXX would contact me within XXXX hours. That timeframe has passed with no call or email. 

Prior to this escalation, Citi XXXX  promised callbacks that never occurred and repeatedly changed verification methods without my consent. I requested electronic verification by text message or email. Citi instead mailed a verification letter to my XXXX  address, despite knowing this would significantly delay resolution. 

I have made myself available for immediate verification through all reasonable electronic means. XXXX continued inaction and missed XXXX follow-up have caused financial harm, including loss of a time-sensitive {$250.00} XXXX XXXX promotional benefit XXXX 

I am requesting immediate resolution of the fraud block through alternative electronic verification and appropriate compensation for the promotional benefit lost due to XXXX delay. 

For What resolution are you seeking?, keep :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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