vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I am sending pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2, to formally request the immediate blocking of all information on my credit report that resulted from identity theft. I have been a victim of identity theft and am submitting this written statement along with supporting documentation, including my identity theft report and government-issued identification. Under FCRA 605B, credit reporting agencies are required to block and remove any information resulting from identity theft within four ( 4 ) business days of receiving a consumers written request and appropriate documentation. I am requesting that the following fraudulent accounts and inquiries be blocked and removed from my credit report without delay, as they were not authorized by me and are the result of identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$33000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>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 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: PR

Complaint narrative:
Company is charging me {$50.00} for an order that was canceled since the product was never received. I would like Klarna to remove this amount from the account and remove it from my credit report!!!! This is stealing and Ill not pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against CITICARDS XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
CITICARDS CBNA XXXX CITICARDS CBNA XXXXXXXX CITICARDS CBNA XXXXXXXX

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 2025-10-13 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: GA

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of late payments on my credit report, which continues to reflect late payments despite my consistent, timely payments. These inaccuracies are negatively affecting my credit profile, and I request immediate correction under the Fair Credit Reporting Act ( FCRA ), Sections XXXX, XXXX, and XXXX, which require that all information reported by furnishers be complete, accurate, and verifiable, and obligate TransUnion to investigate disputed information and correct inaccuracies. 
XXXXXXXX XXXX  XXXX XXXX * * * * * * * * * * Balance Owed : {$XXXX XXXX XXXX * * * * * Balance : {$3900.00}

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 non-monetary relief
Consumer complaint received 2025-10-13 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: WA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an unresolved issue with American Express concerning my XXXX XXXX XXXX sign-up bonus offer. 

I applied for and was approved for the American Express XXXX XXXX XXXX in XX/XX/scrub> 2025. At the time of application, the card was advertised with a sign-up bonus offer contingent upon meeting a specified spending requirement within a set period. I carefully met those spending requirements within the required timeframe. 

However, despite fulfilling the terms of the promotion, American Express has refused to issue the sign-up bonus points. Their stated reason is that I have previously held this card, which they claim disqualifies me from the offer. This is factually incorrect this is my first time applying for and holding an American Express XXXX XXXX XXXX. 

At no point during the online application process was I notified that I would be ineligible for the sign-up bonus. If such a restriction applied, it was not clearly disclosed prior to approval. I believe this constitutes misleading advertising and unfair business practice, as I made significant spending decisions based on the expectation that I would receive the advertised bonus points. 

I have attempted to resolve this directly with American Express, but they have continued to deny the bonus without providing any evidence of a prior account or a valid explanation. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that American Express honors the original sign-up bonus offer as advertised. 

Thank you for your attention to this matter. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Contemporary Information Corp
State: NC

Complaint narrative:
Formal Dispute and Demand for Immediate Deletion of Inaccurate, Unverifiable Information Report IDs : XXXX & XXXX Rental Property ZIP : XXXX To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to formally dispute and demand the immediate removal of inaccurate and unverifiable information appearing in my consumer report prepared by CIC. Your report lists the following housing court record : Court : XXXX XXXX XXXX XXXX Office Full Name Listed : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Case Number : XXXX Case Filing Date : XX/XX/year> Judgment Date : XX/XX/year> Plaintiff : XXXX XXXX XXXX  XXXX This information is inaccurate, incomplete, and unverifiable. I have personally contacted the XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX, both of whom have confirmed that no record, judgment, or filing under my name exists and that they do not furnish or verify information to any third-party consumer reporting agencies, including CIC. Therefore, this information can not be verified by any legally permissible means. Under FCRA 611 ( a ) ( 1 ) ( A ), CIC is required to conduct a reasonable reinvestigation of any disputed information and delete or correct any data that can not be verified. Because the alleged record is inaccurate, unverifiable, and misleading, continued reporting constitutes a violation of FCRA 607 ( b ) ( maximum possible accuracy requirement ) and may also violate state consumer protection and defamation statutes. I am therefore demanding that CIC : Immediately delete the above-referenced housing court record and any related data from all versions of my consumer file and any reports furnished to third parties. Provide written confirmation of the deletion and a full updated consumer report reflecting the change. Identify the source of this data, including the name, contact information, and date of furnishing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NV

Complaint narrative:
XXXX XXXX XXXX is holding on to a custodial account that was set up for me when I was a minor. I am the beneficiary of this account and now of legal age to have this account released to me. I have spoken with several agents that all seem to find the decedent and my information to be still in there records, I was asked what the last address of the decendent was and what city and state he and I were living in at the time of his death. I was told that because of the maturity of the account she couldn't give me any information on this account. they sent me a form to fill out, and I filled it out and sent it back with all the required documents, which was my Identification card, death certificate, and If I didn't have the account number, they could use the EIN number connected the account. I reached out again and spoke to another agent that told me that all my documents were sufficient, then a week later a letter arrived stating that they did not have any information on the decedent or me and suggested that the account could have been transferred to the state of unclaimed or escheated. So I spoke with the state of california and they confirmed that they never received an account from XXXX XXXX XXXX and stated that they must be still holding on to the account. I am filing a complaint for deceitfully withholding property and falsely giving information regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TrueAccord Corp.
State: GA

Complaint narrative:
True Accord emailed me saying I owe a XXXX  for a property from XXXX and I never lived in Georgia at all during that time I personally just moved to Georgia in XXXX and I lived in XXXX about 2 to 3 years now XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX this is falsified information and I have proof I have proof of the picture of my valid ID during that time and it's from New Jersey and I was in the XXXX  having a XXXX  during XX/XX/XXXX and XXXX in New Jersey I was nowhere in Georgia until XXXX and the first place I landed was in XXXX Ga so if the people are telling the truth they'll have a picture ID that says New Jersey from XXXX to XXXX and that's what my ID said during that time and I have XXXX proof of a photo on XX/XX/XXXX of me being at the XXXX at a train station they're lying I never was in Georgia during XXXX XXXX is when I first moved to Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

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. 
XXXX XXXX : # XXXX, XXXX XXXX. Solutions : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to demand the immediate removal of the following unauthorized hard inquiries from my credit report, which I did not authorize and are fraudulent TRANSUNION : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> EQUIFAX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX  I did not provide permission to these companies to access my credit report. These inquiries are therefore unauthorized and in direct violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, given the recent data breaches at TransUnion and Equifax, I am concerned that my personal information may have been compromised, and I hold your bureau responsible for any resulting fraudulent activity. This adds urgency to my request and potential liability for failure to properly protect my information.

I demand that these fraudulent inquiries be deleted immediately and that I receive written confirmation of their removal. I also request a copy of the investigation findings.

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 2025-10-13 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:
I am submitting to formally dispute and request the permanent deletion of multiple items currently appearing on my credit report that I believe to be inaccurate, outdated, or unverifiable. This request is made under my rights provided by the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my credit file, I have identified the following items that should be immediately removed if they can not be verified with complete and accurate documentation. These items are damaging my creditworthiness and may be in violation of federal reporting standards. 
XXXX XXXX * * * * * * * * * * * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * * * * * * * * Balance : {$0.00} XXXX XXXX XXXXXXXX * * * * * * Balance : {$510.00} XXXX XXXX XXXX * * * * * * Balance : {$0.00} XXXX XXXX * * * Balance : {$14000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX * * * * * * * Balance : {$3200.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX CO XXXX * * Balance : {$890.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX * * Balance : {$1100.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * Balance : {$360.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX XXXX XX/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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, all of my Chase credit card accounts were suddenly closed without prior notice. A few days later, I received XXXX separate letters from Chase stating that the closures were due to not enough credit information on file from XXXX 

This explanation does not make sense to me. I have been a loyal Chase customer for over XXXX years, have maintained my accounts responsibly, and have never engaged in any unusual or risky credit activity. I have no idea why this happened and would like clarification and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
This is now my XX/XX/XXXXformal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA XXXX ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA XXXX ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-10-13 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: IL

Complaint narrative:
This is now my XX/XX/XXXXformal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA XXXX ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA XXXX ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Complaint Regarding FCRA and FDCPA Violations by LVNV Funding LLC and XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint against LVNV Funding LLC and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and improper data furnishing under XXXX XXXX credit reporting standards. 

LVNV Funding LLC reports a collection account for {$350.00}. However : It does not disclose the original creditor, violating FCRA 609 ( c ) ( 2 ).

The account type is inaccurately or vaguely reported as Other rather than properly classified per XXXX XXXX ( Collection, Account Type = B or Y ).

If the account is older than 7 years from the Date of First Delinquency, its continued presence violates FCRA 605 ( a ). 

XXXX XXXX reports an account with a {$0.00} balance but also lists it as 120 days late : This appears inaccurate or misleading under FCRA 1681e ( b ).

If the account has been paid or closed, the status must reflect that under XXXX XXXX reporting standards. 

These inaccuracies harm my credit profile, potentially affecting access to fair credit and employment opportunities. I respectfully request a full investigation and appropriate enforcement action if violations are confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  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