vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX, XXXX, and XXXX regarding inaccurate information being reported on my consumer credit report by XXXX XXXX XXXX XXXX for USAA FSB - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was incarcerated since XXXX just got out XX/XX/XXXX. All these accounts was opened while I was in jail and the credit bureau havent removed 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was incarcerated since XXXX just got out XX/XX/XXXX. All these accounts was opened while I was in jail and the credit bureau havent removed 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 2025-05-20 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and I don't understand how they got there. I routinely check my credit, but this time I found unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the accounts remained. Due to this issue, Im requesting a careful review of the documents I submitted to ensure this doesnt happen again.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: PA

Complaint narrative:
Account POSSIBLE FINANCIAL INC begining # XXXX. I'm unaware of this debt and did not have the oppurtunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete account begining in # XXXX as soon as possible from my credit report or I will have to take legal action

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
I was shocked and angry this morning to discover an unauthorized inquiry showing up on my credit report for no known reason. I checked like I normally do, but this time there were errors that I couldnt ignore. I refreshed the browser hoping it was just a glitchbut it wasnt. Im asking for an immediate and thorough review of the documents I submitted because this is stressing me out beyond belief.

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 2025-05-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX Subject : Complaint Regarding Unfulfilled Credit Card Bonus Offer Chase XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally file a complaint regarding Chase Banks handling of the promotional bonus on my Chase XXXX XXXX XXXX account. I applied for the card under the understanding that I would receive a bonus of XXXX points after spending {$8000.00} within the allotted time frame. However, despite fulfilling the terms, the bonus has not been credited to my account. 

Summary of the Issue : When I applied for the card, I clearly listed my home address as the mailing address. 
Despite this, the card was mistakenly sent to my XXXX  address, which is a XXXX  office and not my primary or mailing address. 
Due to this error, I did not receive the card in a timely manner. After multiple calls to Chase, I finally discovered that it had been delivered to my XXXX  address, contrary to what I had indicated in the application. 
Because of this mailing issue, Chase extended my spending deadline to XX/XX/year>. 
I complied with the spending requirement and charged over {$8000.00} on the card before the extended deadline, expecting to earn the XXXX bonus points as advertised. 
Despite meeting the requirement, my bonus points were not awarded. 
I appealed the decision through Chase, and my request was denied without adequate explanation. 
I then requested that the call recordings ( where I was informed of the extended deadline ) be reviewed, and that request was also denied. 

Request : I am seeking assistance from the CFPB to : 1. Investigate this matter and determine why the bonus points have not been awarded. 
2. Verify the communication and decisions made by Chase in regard to this promotion. 
3. Hold Chase accountable for the promotional terms as presented at the time of application. 

I am attaching proof of my purchases that meet the required spending threshold by the extended deadline of XX/XX/year>. 

This has caused a great deal of frustration and lost time, and I believe Chase has failed to uphold its own promotional commitment due to its internal errors and lack of transparency. 

Thank you for your attention to this matter. Please feel free to contact me should you need any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MO

Complaint narrative:
* date open is different on each bureau * number of months/terms on each bureau * payment status on each bureau Last date active on each bureau Last date of payment on each bureau I see this account is also written as a charged off, meaning the debt was sold and if that in fact is the case a XXXX c should be completed as paid off debt. Its also showing a different account number on each bureau this is in accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MO

Complaint narrative:
* date open is different on each bureau * number of months/terms on each bureau * payment status on each bureau Last date active on each bureau Last date of payment on each bureau I see this account is also written as a charged off, meaning the debt was sold and if that in fact is the case a XXXX c should be completed as paid off debt. Its also showing a different account number on each bureau this is in accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mortgage Research Center, LLC
State: CO

Complaint narrative:
During the closing process nothing was said about the company selling my information. When I asked the loan officer after she stated they don't sell the info. I contacted their privacy policy person and he said the other company was lying about getting the info from XXXX XXXX and only quoted the policy. I did find an opt-out page on their website, which indicates they do indeed sell information, because from my understanding of GLBA, they aren't required to have if they don't sell info. 
The information these companies had, including my interest rate is not something that is supposed to be pub

lic information, which makes me believe they sold my info. They have not verified whether they sold the information, though they are required by law to be truthful if they find out and ever get back to me. I want to file this complaint, though it may not fit w
hat the CFPB typically does.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upstart netw is fraudulent account. Does not belong to me

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 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Online information services says I have a account with them and I owe them {$630.00}, I have no debt or contract or have I ever done any business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
I am writing to formally dispute and request the blocking of XXXX or more fraudulent accounts that appear on my credit report. These accounts were opened without my knowledge or consent during a period in which I was incarcerated and, therefore, physically unable to open or manage any new accounts. 

Under 15 U.S. Code 1681c2, also known as the Identity Theft Prevention provision of the Fair Credit Reporting Act ( FCRA ), I am requesting that any and all information on my credit file that is the result of identity theft be blocked from my credit report. 

Details of Disputed Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asserting that I did not authorize these accounts and that they are the result of fraudulent use of my personal information. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX, and as such, I had no ability to open or apply for any credit accounts during that time.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-05-20 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: AZ

Complaint narrative:
I am writing to formally demand the immediate blocking and deletion of all accounts associated with my personal information, specifically the XXXX ( Account Number : XXXX ) and XXXX ( Account Number : XXXX ) accounts, due to a recent data breach and your egregious failure to comply with the Fair Credit Reporting Act ( FCRA ). These accounts are reported inaccurately, and your negligence has caused severe harm to my credit. This is unacceptable, and I demand action now! 

Accounts in Question XXXX  Account Number : XXXX XXXX  Account Number : XXXX Legal Basis and Demands This request is made under the following FCRA provisions : 15 U.S.C. 1681c-2 ( a ) : As a victim of identity theft exacerbated by this breach, I demand the immediate blocking of all fraudulent accounts opened in my name.

15 U.S.C. 1681i : I dispute the accuracy of these accounts and demand their deletion as unverifiable information linked to the breach. Conduct a thorough investigation now!

15 U.S.C. 1681e ( b ) : Your failure to maintain reasonable procedures to ensure accuracy, especially post-breach, requires a full review and correction of my credit report.

15 U.S.C. 1681g ( a ) : I demand access to my complete consumer report to identify breach-related inaccuracies.

15 U.S.C. 1681m : Cease inappropriate reporting of negative information resulting from this breach immediately.

15 U.S.C. 1681n : I reserve the right to seek damages for your willful noncompliance if my demands are ignored. 
The XXXX account stems from a stolen package I never received, reported to XXXX XXXX XXXX Report # XXXX ), yet you continue to report it. The XXXX account, tied to a faulty TV deal settled years ago, remains inaccurately reported despite Experians removal. Your reinsertion of these accounts post-breach is a flagrant violation, and I will not tolerate further damage to my credit! 

Demanded Actions Immediately block and delete the XXXX ( XXXX ) and XXXX  ( XXXX ) accounts from my credit reports. 
Provide written confirmation of these actions within four days.

Supply my complete consumer report under 1681g ( a ).

Detail measures to protect my data post-breach.

Failure to comply will result in escalated complaints to the FTC, State Attorney General, and legal action under 1681n. Confirm receipt and act immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: AZ

Complaint narrative:
I am writing to formally demand the immediate blocking and deletion of all accounts associated with my personal information, specifically the XXXX ( Account Number : XXXX ) and XXXX ( Account Number : XXXX ) accounts, due to a recent data breach and your egregious failure to comply with the Fair Credit Reporting Act ( FCRA ). These accounts are reported inaccurately, and your negligence has caused severe harm to my credit. This is unacceptable, and I demand action now! 

Accounts in Question XXXX  Account Number : XXXX XXXX  Account Number : XXXX Legal Basis and Demands This request is made under the following FCRA provisions : 15 U.S.C. 1681c-2 ( a ) : As a victim of identity theft exacerbated by this breach, I demand the immediate blocking of all fraudulent accounts opened in my name.

15 U.S.C. 1681i : I dispute the accuracy of these accounts and demand their deletion as unverifiable information linked to the breach. Conduct a thorough investigation now!

15 U.S.C. 1681e ( b ) : Your failure to maintain reasonable procedures to ensure accuracy, especially post-breach, requires a full review and correction of my credit report.

15 U.S.C. 1681g ( a ) : I demand access to my complete consumer report to identify breach-related inaccuracies.

15 U.S.C. 1681m : Cease inappropriate reporting of negative information resulting from this breach immediately.

15 U.S.C. 1681n : I reserve the right to seek damages for your willful noncompliance if my demands are ignored. 
The XXXX account stems from a stolen package I never received, reported to XXXX XXXX XXXX Report # XXXX ), yet you continue to report it. The XXXX account, tied to a faulty TV deal settled years ago, remains inaccurately reported despite Experians removal. Your reinsertion of these accounts post-breach is a flagrant violation, and I will not tolerate further damage to my credit! 

Demanded Actions Immediately block and delete the XXXX ( XXXX ) and XXXX  ( XXXX ) accounts from my credit reports. 
Provide written confirmation of these actions within four days.

Supply my complete consumer report under 1681g ( a ).

Detail measures to protect my data post-breach.

Failure to comply will result in escalated complaints to the FTC, State Attorney General, and legal action under 1681n. Confirm receipt and act immediately!

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XX/XX/year>, Santander Consumer USA submitted a GAP cancellation request to my provider ( XXXX XXXXXXXX XXXX  ) after I paid off my loan. The official cancellation notice clearly shows Santander requested the refund be mailed to their payment services department in XXXX. Despite this, Santander representatives repeatedly told me the dealership was responsible and denied any involvement. 

After multiple calls and chats, I was finally told they see the request in their system but refused to send me any written confirmation. Ive been misled, denied documentation, and given the runaround while Santander controls the refund process. I have documentation showing Santander initiated the cancellation, including the exact date, refund amount, and destination. This handling has caused unnecessary stress, time loss, and potential financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
My information was compromised and credit accounts established in my name. My identity was stolen and was reported to the XXXX Police Department in Ohio. Credit accounts were established with XXXX XXXX XXXX  and now been collected by debt collector who failed to validate the debts. These accounts have been reported to the 3 major credit bureaus by the debt Collector.

Company response to consumer: Closed with non-monetary relief