vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-10 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Product : Credit card Issue : Rewards not honored What happened : I signed up for the Citi AAdvantage credit card after receiving a flyer on an XXXX XXXX flight in XX/XX/XXXX promoting a XXXX mile bonus for spending {$3500.00} within the required time period. This is an ongoing promotion. 

I spent over {$4000.00} within the timeframe. I called Citi several times during the promotion to verify my progress. Each time, I was told different spending amounts I supposedly still needed to meet ( {$1500.00}, then {$500.00}, then {$740.00} by XX/XX/XXXX ). I complied with all of these instructions and spent almost {$1000.00} over the {$740.00} requirement. 

In late XXXX, I was told directly by a Citi representative that I had qualified and that the bonus miles would post by XX/XX/XXXX. Last week I again called and was told I had qualified. However, this week I was told something completely different, that I had missed the promotion and that I still needed to spend an additional {$240.00}, even though I had already spent well beyond the {$740.00} amount I was told. 

I was hung up on, treated rudely, and given the runaround by Citi representatives. Citi has made no attempt to resolve the issue. 

I applied for this card specifically for the XXXX mile bonus, which I needed for travel to XXXX. I am recovering from a XXXX and also have an upcoming trip with XXXX XXXX in XXXX, where I expected to use these miles. I spent this money in good faith only because of Citis promotional promise. Without the miles, I am out over {$4000.00} in unnecessary charges. 

Desired resolution : I am requesting that Citi honor the promotion and immediately credit my AAdvantage account with the XXXX miles as originally promised. 

Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-10 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: EQUIFAX, INC.
State: ID

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-10 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts represent a violation of 15 USC 1666. I have always made my payments on time, and any errors in this reporting are both unjust and unlawful.

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 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
What happened is I borrowed {$400.00} from Enable Loans, have already repaid {$360.00}, and immediately upon losing my job I reached out with my termination letter to request a hardship or settlement option. Instead of working with me, their rep XXXX XXXX first asked for proof, then turned around and claimed no hardship plans existed. Since then, I have sent XXXX follow-up emails, copied in their department, and received only silence and canned automatic emails claiming I am past due. This deliberate refusal to respond or escalate is a clear attempt to push me into delinquency despite my proactive communication and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I am filing this complaint because Upgrade is inaccurately reporting a closed account as open on my credit reports. 

The account in question has a {$0.00} balance and was closed by company Despite this, it continues to appear as an open account on my credit reports. 

This incorrect reporting negatively impacts my credit age and history, and potentially my credit utilization ratios, which directly lowers my credit scores. 

I have already attempted to resolve this issue through the credit bureaus, but the error persists. The Fair Credit Reporting Act ( FCRA ) requires furnishers to report accurate and complete information. Reporting a closed account as open violates this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
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 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 XXXXXX/XX/XXXX I did not authorize this inquiry. Requesting that it be investigated and removed from my credit report. I contacted TransUnion today, XX/XX/XXXX, who prompted me to file this complaint with CFPB.

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 2025-09-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'I reported it and keep trying to dispute it.. it is 9 hard inquiries on all credit Bureaus things showing up like multiple credit one inquiries, XXXX XXXX XXXXt, Multiple XXXX, another XXXX XXXX XXXX, XXXX XXXX, and JPMCB card basically everything on my credit is fraud never used credit applied or anything'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously disputed the reporting of a bankruptcy on my credit file. The details of the item are as follows : Type of Bankruptcy : XXXX XXXX Filing Date : XX/XX/2016 United States Bankruptcy XXXX XXXX XXXX Maryland Bankruptcy XXXX. # XXXX In my dispute letter, I requested that you verify this record directly with the reporting court, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Instead, you continued to report this bankruptcy without providing proper documentation or proof of verification. 

Please note the following : Courts do not furnish bankruptcy records to credit reporting agencies. Therefore, any reporting must be directly verified by you with the court. 

Under the FCRA, you are required to conduct a reasonable reinvestigation and provide the method of verification. Simply stating that the record has been verified without supplying documentation is not compliant. 

By failing to properly verify and continuing to report this item, you violate the FCRA. 

I hereby demand : Immediate deletion of this unverified bankruptcy record from my credit file. 
Written confirmation that the record has been removed. 

If this matter is not resolved within the legally required time frame, I will escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General of my state for further investigation and enforcement action. 

Thank you for your immediate 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously disputed the reporting of a bankruptcy on my credit file. The details of the item are as follows : Type of Bankruptcy : XXXX XXXX Filing Date : XX/XX/2016 United States Bankruptcy XXXX XXXX XXXX Maryland Bankruptcy XXXX. # XXXX In my dispute letter, I requested that you verify this record directly with the reporting court, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Instead, you continued to report this bankruptcy without providing proper documentation or proof of verification. 

Please note the following : Courts do not furnish bankruptcy records to credit reporting agencies. Therefore, any reporting must be directly verified by you with the court. 

Under the FCRA, you are required to conduct a reasonable reinvestigation and provide the method of verification. Simply stating that the record has been verified without supplying documentation is not compliant. 

By failing to properly verify and continuing to report this item, you violate the FCRA. 

I hereby demand : Immediate deletion of this unverified bankruptcy record from my credit file. 
Written confirmation that the record has been removed. 

If this matter is not resolved within the legally required time frame, I will escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General of my state for further investigation and enforcement action. 

Thank you for your immediate 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXXXXXX. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has demonstrated a pattern of bad faith, deceptive, and noncompliant conduct in handling a disputed credit card account. After I submitted multiple written settlement proposals citing financial hardship, the bank failed to respond in good faith and instead abruptly forwarded the matter to a third-party collection agency, XXXX XXXX XXXX XXXX without providing proper notice or validation. 

XXXX XXXX XXXX confirmed in writing that : They do not own the debt ; They are not data furnishers ; The account was closed and returned to Bank of America on XX/XX/2025 ; They lack the authority to validate or collect on the account. 

Despite this, Bank of America continues to report the account on my credit report as a charge-off, in violation of federal and state consumer laws. 

Bank of America has misrepresented the account status ( claiming in letters dated XX/XX/XXXX and XX/XX/2025, that the account is not in charge-off ) while simultaneously reporting it as Charge-Off to XXXX XXXX XXXX XXXX XXXX This discrepancy constitutes : False credit reporting under FCRA ( 15 U.S.C. 1681s-2 ( b ) ) ; Failure to conduct a reasonable investigation ( 1681s-2 ( b ) ) ; Failure to mark the account as disputed as required under 1681s-2 ( a ) ( 3 ).

In addition, the bank 's unauthorized transmission of my personal financial data including my SSN, address, payment history, account balances to a third-party agency, without my consent, proper privacy notice, or opt-out opportunity, violates : The Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) ; Floridas FCCPA ( 559.72 ( 5 ), ( 7 ), ( 9 ), and ( 18 ) ) ; Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA 501.201 et seq. ). 

Furthermore, the banks vague and non-committal responsesimply asking me to call themis wholly inadequate and fails to resolve the issue, especially given the legal and factual evidence already submitted.

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 2025-09-10 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief