vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I have the Chase Freedom XXXX card which offers benefits. In XXXX ( XX/XX/year> ) we had a flight and when boarding our flight back home, the airline ( XXXX ) decided to cancel the flight without giving us a reason. I called the credit card company to verify the type of benefits I had, and they advised that I had travel protection coverage up to {$1400.00} per traveler as long as the flight was originally booked with my flight. Chase advised that my hotel, meals and transportation would be refunded once I filed a claim. After 5 months of back and forth with Chase and providing supporting documentation, I got a denial letter. I called once I received the response ( XX/XX/XXXX ) and spoke to a manager XXXX, who advised we were definitely eligible for the refund and advised me to send an email to ask for a secondary review. Email sent to them is as follows : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am requesting a secondary review of my benefit claim XXXX which was tied to a flight cancellation from XXXX. I have spoken to several representatives who confirmed that the expenses we are claiming are eligible for a reimbursement. To summarize, we booked a flight with our credit card, and the day we were supposed to return, the airline started boarding, however shortly cancelled the flight halfway through boarding. We started obtaining emails and eventually the airline advised they would not be able to get us into another flight until XXXX days later. Upon confirmation of the cancellation, I called the benefits department and they advised since the airline cancelled, I would be eligible for a flight refund and any incurred expenses until our flight XXXX days later. 

Upon arrival, the claim was submitted along with supporting documentation, after several calls, I was told that I needed to provide something from the airline reflecting the reason for the cancellation ( as the provided documentation did not specify the reason ) so I called XXXX, where the agent told me they were not able to send me anything additional, but did confirm it was due to weather ( This was recorded per agent advisement and I also provided the attached form to the documentation as requested ). I spoke to XXXX, a supervisor who confirmed i was able to get a reimbursement and told me to request a secondary review. Please refer to attached documentation and feel free to reach out if there are any questions. thanks! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After several weeks and being told my claim was in process, I got another denial letter. I am reporting as every representative we speak to gives us different information and they are not following the benefits they provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I decided to open an account at TD BANK since it gave the option to open accounts online without having to go to an office, the process seemed friendly and secure since it had everything that was requested, everything went as planned, the day after opening the account I made a payment through XXXX from another account in the name of my company XXXX XXXX XXXX under my control of {$4.00} and it arrived without problems when I try to access the account it appears to me as if I had no account or did not exist, I contact the bank and they tell me that my account was blocked or rather restricted and that I must go to a bank office for an identity verification I explain to them that I am out of the country, and that I will not return so soon and I need to access the account and they tell me no, that I must go to an office. The part I'm claiming is that they have all my documentation to verify that I am the owner of the account and additionally to open it they do a verification with security questions that only I know and I passed it without any problem. I have repeatedly requested that they allow me to verify my identity again through a secure link if necessary, and they refuse to do so. I see it as something obsolete in these advanced times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The entry in question is still being inaccurately reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXXXXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXXXXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX These items are inaccurate and must be deleted from my credit report. 

XXXX XXXXXXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX. These items are inaccurate and must be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXXXXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXXXXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX These items are inaccurate and must be deleted from my credit report. 

XXXX XXXXXXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX. These items are inaccurate and must be deleted from my credit report.

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 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally is not allowing me access to my account even after completing the proper verification. They are not cooperating with me and I would like to make a complaint about this situation.

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 2025-09-30 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: IN

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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, 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/year> 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
XXXX XXXX SS # XXXX DOB- XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX Breach a FRA Volationt Deletion of Inaccurate/Compromised Information Due to Data To Whom It May Concern, I am writing to you formally regarding my consumer file maintained by TransUnion. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and is tied directly to the recent TransUnion data breach in which consumer files, including mine, were placed at risk of compromise and potential inaccuracy.

The breach in question undermines TransUnion 's statutory duty under : * FCRA 607 ( b ) - Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

* FCRA 611 ( a ) ( 1 ) ( A ) - Mandating that disputes be reinvestigated in good faith and inaccurate information promptly deleted. 
CREDIT FCRA 605A & 605B - Requiring consumer file protections in instances of suspected compromise, fraud, or identity misuse.

15 USC 1681s-2 ( a ) ( 7 ) : Negative Intormation Notice Given that your own breach jeopardized the chain of custody, accuracy, and reliability of the data in my consumer file, any items currently marked as negative, disputed, or unverifiable mus be treated as compromised. It is no longer possible for TransUnion to reasonably certify these accounts as " accurate '' under federal law, since your systems have already demonstrated failure in safeguarding consumer data. 
Accordingly, I am demanding the immediate and permanent deletion of the following compromised and unverifiable items from my file : 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 2025-09-30 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: TX

Complaint narrative:
XXXX XXXX SS # XXXX DOB- XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX Breach a FRA Volationt Deletion of Inaccurate/Compromised Information Due to Data To Whom It May Concern, I am writing to you formally regarding my consumer file maintained by TransUnion. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and is tied directly to the recent TransUnion data breach in which consumer files, including mine, were placed at risk of compromise and potential inaccuracy.

The breach in question undermines TransUnion 's statutory duty under : * FCRA 607 ( b ) - Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

* FCRA 611 ( a ) ( 1 ) ( A ) - Mandating that disputes be reinvestigated in good faith and inaccurate information promptly deleted. 
CREDIT FCRA 605A & 605B - Requiring consumer file protections in instances of suspected compromise, fraud, or identity misuse.

15 USC 1681s-2 ( a ) ( 7 ) : Negative Intormation Notice Given that your own breach jeopardized the chain of custody, accuracy, and reliability of the data in my consumer file, any items currently marked as negative, disputed, or unverifiable mus be treated as compromised. It is no longer possible for TransUnion to reasonably certify these accounts as " accurate '' under federal law, since your systems have already demonstrated failure in safeguarding consumer data. 
Accordingly, I am demanding the immediate and permanent deletion of the following compromised and unverifiable items from my file : 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 non-monetary relief
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
I am filing this complaint because a company is reporting an eviction on my consumer report without a permissible purpose. I did not provide this company with written consent to access or pull any information about me. I have made an attempt to dispute this item directly with the company, but they have been willfully non-compliant and have refused to investigate or remove the inaccurate information. 

This unauthorized reporting has severely impacted my credit worthiness and personal life. I believe this company has obtained and used my personal information without my consent, constituting identity theft. As a result, I have filed a formal identity theft report with the Federal Trade Commission ( FTC ). 

I am requesting that the CFPB investigate this matter and ensure the company is held accountable for violating the Fair Credit Reporting Act ( FCRA ), including the lack of permissible purpose and failure to respond to my dispute. I also request that the eviction record be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
there was multiple fraud charges on my card. i disputed XXXX i do not use priceline and neither do i use food bazaar. they denied my claim without even looking through it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-09-30 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: LA

Complaint narrative:
I previously disputed inaccurate information on my credit report and requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ). However, the results I received were incomplete and did not resolve the errors. Specifically, the bureaus continue to report inaccurate and unverified items, including accounts and negative information that I have already challenged. Under FCRA 611, you are required to conduct a reasonable reinvestigation of disputed information to ensure maximum possible accuracy. Because this was not done properly, my credit report still contains harmful errors that affect my ability to obtain fair credit.

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 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
On XXXX XXXX I received an award letter from XXXX ( XXXX  XXXX XXXX XXXX ). I was granted {$6500.00} for the School and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I began contacting Mohela and XXXX in XXXX of XXXX  when the funds were not applied to my account. After communication with XXXX, I learned that the funds were paid out on XX/XX/year>. After many failed attempts to resolve this issue with Mohela, I began to communicate with XXXX in hopes to locate the award. Recently, XX/XX/year> I spoke with XXXX again and was told that the roster was paid on XX/XX/year>. MOHELA has not reflected the award amount in my account. Communication regarding this matter should be sent to myself, XXXX and XXXX.

Company response to consumer: In progress
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
These inquiry was not authorized. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation