vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Chase Bank due to its discriminatory practice of rejecting payments for transactions on XXXX while allowing successful transactions with other merchants and banks. I hold a Chase Sapphire Preferred Visa card, and this issue has persisted despite my multiple efforts to resolve it. 

Details of the Problem XXXX. Discriminatory Rejections I have attempted numerous transactions on XXXX using my Chase Sapphire Preferred card, all of which have been declined. In contrast, I have successfully completed transactions with four other banks during the same period. The attached screenshots ( XXXX  XXXX - showing successful transactions with other merchants like XXXX, City of XXXX, and XXXX ; XXXX XXXX - showing declined XXXX transactions ; XXXX XXXX - payment failure notice ) clearly illustrate this disparity. For instance, transactions to XXXX, City of XXXX, and XXXX on [ Date ] were processed smoothly, while every single XXXX  transaction, such as those for amounts like XXXX {$950.00}, XXXX {$88.00}, XXXX {$48.00}, and XXXX {$88.00}, was declined. 

XXXX. Unsuccessful Resolution Efforts I have been proactive in addressing this issue. I have cooperated with Chase Bank on multiple occasions, promptly responding to their requests to verify my personal information. I have provided all the necessary details as required, but the problem remains unresolved. I have reached out to Chase Bank 's customer service several times, yet I have received no satisfactory explanation or solution. The customer service representatives have been unable to identify the root cause of the problem or offer any effective remedies. 

Impact on Me This discriminatory behavior has caused me significant inconvenience. XXXX is a platform I frequently use for shopping, and the inability to make payments through my Chase card has restricted my purchasing options. It has also wasted a considerable amount of my time and energy in trying to resolve the issue. 

Demands I demand that Chase Bank takes immediate action to rectify this situation : XXXX. Conduct a thorough investigation into the root cause of the discriminatory payment rejections and provide me with a clear and detailed explanation. 

XXXX. Ensure that all future transactions on XXXX using my Chase card are processed successfully without any unjustified rejections. 

XXXX. Compensate me for the inconvenience, time, and potential losses I have incurred as a result of these repeated payment rejections. 

Conclusion I trust that both the XXXX  and CFPB will take this complaint seriously and assist me in holding Chase Bank accountable for its actions. I look forward to a prompt resolution of this matter to restore my ability to use my Chase card for transactions on XXXX without facing discriminatory treatment. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
All this Inquiry 's are done fraudulently please investigate and remove all inquiry 's listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX-Experian hard credit check that i did not authorize. XXXX XXXX XXXX-Experian hard inquire that i did not approve XXXX XXXX XXXX XXXX XXXX- Experian hard credit check that i did not approve.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
The account of XXXX belongs to me I had the account for a long time the. Why XXXX closed my account is due to fraud of the transactions made on my account so thats why they closed my account for contributory reason which was fraud. 
The account was mine I had it for a while and transactions were made on the account I did not do for both of the XXXX accounts that are being reported! I would like if you remove those reports from your services because they are not on my credit report they are just reporting from your company and I have settled with pnc due to this reasoning of closed account of contributory reasoning of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My student loan is missing from my credit report. It's a good trade line and I want it put back/ re-inserted to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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:
They are reporting a company call XXXX XXXX XXXX on my credit report. 
I never had an account with them or any comunication with them.

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 2025-04-10 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:
They are reporting a company call XXXX XXXX XXXX on my credit report. 
I never had an account with them or any comunication with them.

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 2025-04-10 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: EQUIFAX, INC.
State: CA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may 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. 

XXXX XXXX. XXXX ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered late payment notations on my credit report that are false and need to be corrected right away. These inaccuracies are unfairly reducing my credit score and jeopardizing my financial health. I consider this completely unacceptable. 

Some of the reported late payments were made on time, while others appear to stem from internal processing issues. If these late marks can not be validated with original recordssuch as dated billing statements and signed account agreementsthey should not be present on my credit file. The FCRA requires all reported data to be factually accurate and verifiable. 

I am demanding the immediate correction or deletion of these late payment entries. If the reporting companies can not produce solid, documented proof, these items must be removed. Failure to address this promptly will be considered a deliberate violation of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-04-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalid, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 %. accurate on my credit report and under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX ( XXXX ). these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX. & XXXX ( XXXX ) Method of verification and description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must made 100 % accurate listed in my dispute letters attached. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-10 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I received a call from a processor trying to have me served on behalf of Citibank for a diamond preferred credit card that they stated was open from XXXX. I do not recall ever opening this account PLUS I have SEVERAL other accounts with Citi in good standing for years, so I dont know if this is a scam or fraud or a legitimate call. Either way, I spoke to a representative at XXXXXXXX XXXX XXXXXXXX at ( XXXX ) XXXX ( the information I was given by the processor when I kept asking why I was being served and threatened with a failure to appear in court ) - who insisted they will take me to court despite my denying ownership or awareness of this debt from over XXXX ago!!!!!! He advised he would be sending an XXXX to serve me at my residence and the call ended at that point. The case number I was given was XXXX Again I DISPUTE OWNERSHIP OF THIS ACCOUNT AND the statute of limitations has expired on this matter ( XXXX  law shows XXXX  years - I dont know if this is accurate or not but either way, after XXXX, how can I go back and figure out if someone stole my identity or what?!?!?!? ) this is unfair and truly abusive practices on their part

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 2025-04-10 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: Kikoff Inc.
State: DC

Complaint narrative:
I am writing to express serious concern regarding the exposure of my personal information as a result of a data breach involving XXXX. I recently became aware that my sensitive information, including my Social Security number and other personal identifiers, have been compromised due to this incident. I am writing to formally dispute inaccurate and potentially fraudulent information on my XXXX credit report as a result of being a victim of a data breach. 
My personal information was compromised in a data breach, which I have led to unauthorized accounts associated with my credit file. I am kindly requesting that the CFPB investigate XXXX and remove any items that are not directly authorized or initiated by me. All listed accounts to be blocked and deleted from the company XXXX. 
KIKOFF LENDING LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I filed a complaint XX/XX/year> due to the way a vehicle I voluntarily surrendered was inaccurately being reported to my credit. The account status according to bridge crest is charged off. However, bridge crest refuses to furnish me a document stating that the account is charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TN

Complaint narrative:
Complaint regarding the unauthorized access and breach of my educational records, financial aid data, IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to:1. My academic records and personally identifiable information ( PII ) XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.XXXX. My IRS tax transcripts, which were obtained and used without proper authorization.These actions violate my rights under FERPA ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Delete from my credit report and send documentation of deleting information from credit report. This will be my second complaint due to my first complaint wasnt read due to the corrective actions were not meant.

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