vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at. 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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 due to several DATA BREACHES I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agencies block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at. 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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 due to several DATA BREACHES I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agencies block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
There wasn't enough room in the " what information was requested '' box to include the fact that I ALSO requested in my first CFPB complaint that Citi restore the conveniently missing XX/XX/year>XXXX  statement from their online portal the one that would have accurately reflected a XXXX balance due. That statement is suspiciously missing and the account jumps directly to the XXXX statement, where they have re-applied the debt that was paid in full 9 months ago. 

Now that Citi has not only failed to respond in good faith, but has chosen to issue me yet another fraudulent interest accruing statement for XX/XX/year>, I hereby submit my : UPDATE TO CFPB CASE ID # XXXX This update formally notifies Citi and CFPB that I no longer consider my original complaint to reflect the full scope of damages. Citis latest actionscontinuing to issue interest charges after receiving the formal CFPB complaintconfirm their ongoing commitment to fraud. I am now pursuing punitive damages, in addition to full reversal, reimbursement, and a written admission of wrongdoing. This course correction reflects Citis refusal to self-correct and their continued financial harm to me, despite documented evidence and prior notice. I am pursuing legal counsel and will no longer tolerate delay, deflection, or deceit. This is now a matter of full legal accountability.

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 2025-07-13 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: NJ

Complaint narrative:
Formal FCRA Complaint Inaccurate and Misleading Credit Reporting XX/XX/XXXXXXXX  Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint concerning inaccurate and misleading information appearing on my TransUnion credit report, dated XX/XX/XXXX. 
Disputed Accounts : XXXX. XXXX XXXX Revolving Credit Card ( Acct ending in XXXX ) - Reflects multiple derogatory notations ( 60/90/120 ) followed by an OK rating and " XXXX '' statuscausing conflicting interpretations. 
- Misleading credit data constitutes a violation of FCRA XXXX ( b ). 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX Acct ending in XXXX ) - Despite being paid in full on XX/XX/XXXX, the account continues to report as a charge-off through XX/XX/XXXX. 
- This violates FCRA and Metro 2 compliance standards for accurately reporting charge-off resolutions. 
XXXX. XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX ) - Reports the account as Transferred ; was 60 days late, though the payment history shows only a 30-day delinquency. 
- The transferee is not identified, making this tradeline incomplete and in violation of FCRA 1681s-2 ( a ). 
These errors are misleading, potentially harmful, and violate my rights under federal consumer protection laws. I request the CFPB investigate these reporting inaccuracies and ensure the credit bureaus and furnishers comply with their obligations. 
Thank you for your assistance and oversight in protecting consumers like me. 

Respectfully, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I am writing to formally dispute unauthorized transactions that were made on the money transferring application, XXXX. It was a total of 23 transactions amounting to {$1400.00}. All of these transactions have been posted to my account at Credit KarmaXXXXXXXX XXXX leaving me with {$0.00} in my account. On XX/XX/XXXX, I was in a pretty serious car accident which caused me to be XXXX  for a little over a month. I suffered multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this time, my cell phone was locked away with my other belongings in the hospital. I did not authorize these charges, nor did I benefit from the goods or services rendered. My debit card information appears to have been compromised. I first noticed the suspicious activity on XX/XX/year>, and I contacted Credit Karma immediately on XX/XX/year> to report the fraud. I request that the above transactions be investigated promptly and that my account be credited for the disputed amounts as provided under the Electronic Fund Transfer Act ( EFTA ). Despite providing a police report as well as my discharge paperwork from the hospital, they denied my claim. I am completely at a loss as to what I should do. They denied my claim right away so I appealed and they denied again despite providing them with paperwork from the hospital, a police report, a personal statement from a police officer in my town, and more. They're reason for denying my claim was " After completing a thorough review, we are unable to move forward with your dispute as no fraud occurred. Our records indicate that you authorized the charge ( s ). You will need to reach out to the merchant directly to attempt to resolve this issue. The attached file was used to determine the denial of your dispute with Credit Karma, please find the supporting documentation for your reference. '' Which is so crazy to me because I was literally XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the same month all the transactions were made so how did they come to this conclusion? I'm beyond frustrated. I have all of these XXXX  bills and XXXX requirements while I have {$0.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I submitted a valid FTC Identity Theft Report and a police report to the credit bureaus, requesting the permanent removal of a fraudulent XXXXXXXX XXXX  account that was not opened or authorized by me. 

Despite this, Experian continues to report the account under XXXXXXXX XXXX XXXX as a charge-off with a balance of {$770.00} and a high utilization of XXXX XXXX. This account is damaging my FICO score and impacting my ability to access credit. 

Under the Fair Credit Reporting Act and FACTA, Experian is legally required to block and remove any account identified as identity theft once proper documentation is provided which I have already submitted. XXXX XXXXXXXX XXXX have received the same materials. 

I demand that Experian permanently delete this fraudulent account immediately and confirm the deletion in writing.

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was the victim of a scam where individuals gained access to my phone and transferred money via XXXX. These transfers were not voluntary or authorized by me. The people involved manipulated me into allowing access to my phone under false pretenses, and then proceeded to initiate a XXXX transfer to their own account. 

I reported this fraud to Chase as soon as I realized what had occurred, and explained the situation clearly, including that I was under duress and did not authorize the transactions freely. Despite this, Chase denied the claim, citing that the transaction occurred on a recognized device. 

The fact that it was a familiar device does not negate that the payment was made without my consent. I am requesting that Chase re-open the case and investigate the full context, including the fact that I was coerced and deceived. I am seeking reimbursement of the fraudulent XXXX transfer which I did not willingly authorize. Date was XX/XX/XXXX and the amount was ~ {$1500.00}. Similar activity occured on my chase credit card as well which I alsp promptly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 
In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TRANSUNION on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 
I respectfully request that you assist me by removing these accounts 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters to all three credit bureausEquifax, Experian, and TransUnionrequesting they update and correct my personal information under the Fair Credit Reporting Act ( FCRA ). 

I clearly stated the following : My correct and only name is : My correct and only Social Security Number is : My correct and only date of birth is : My current and correct address is : I also requested that all other addresses be removed from my credit report, as they are inaccurate and not deliverable by the XXXXXXXX XXXX XXXX These outdated or incorrect addresses are not reportable under the FCRA and may be contributing to incorrect account associations. 

Despite this request, ( Equifax, Experian, and TransUnion ) has failed to make the requested updates and continues to report incorrect personal information on my file. I am now submitting this complaint to request that these corrections be made 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters to all three credit bureausEquifax, Experian, and TransUnionrequesting they update and correct my personal information under the Fair Credit Reporting Act ( FCRA ). 

I clearly stated the following : My correct and only name is : My correct and only Social Security Number is : My correct and only date of birth is : My current and correct address is : I also requested that all other addresses be removed from my credit report, as they are inaccurate and not deliverable by the XXXXXXXX XXXX XXXX These outdated or incorrect addresses are not reportable under the FCRA and may be contributing to incorrect account associations. 

Despite this request, ( Equifax, Experian, and TransUnion ) has failed to make the requested updates and continues to report incorrect personal information on my file. I am now submitting this complaint to request that these corrections be made 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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I was charged {$190.00} for a multi-night hotel stay at XXXX XXXX, booked through XXXX and paid with my Capital One card. 

I contacted XXXX the same day, before check-in, to request a refund because the hotel failed to contact me as promised by XXXXXXXX XXXX When I finally arrived, the refrigerator in the room was broken, and there were constant dog barking noises and a nonstop alarm from a neighboring room. The stay was uninhabitable. 

I also found a lower price for the same booking on XXXX, but XXXX refused to honor their low-price guarantee. 

Despite my valid concerns, XXXX only offered me {$25.00} in XXXX XXXX, which I declined. I then disputed the charge with Capital One, but my dispute was denied, and the charge was reinstated. 

I am requesting CFPB assistance to resolve this matter fairly and to help ensure that credit card dispute policies protect consumers from situations like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am disputing a {$1000.00} charge from XXXX, applied to my American Express card on XX/XX/year>, in connection with a ticket sale that I made in good faith but was unable to complete due to third-party platform restrictions and improper guidance from XXXX support . 

I sold tickets on XXXX the day before a basketball game and attempted to transfer them through the official ticketing platform ( XXXX ). However, XXXX blocked the transfer, which I confirmed in writing with their support team. 

I immediately contacted XXXX support, who advised me to bypass their standard process and contact the buyer directly - a workaround that violates XXXX own seller policies. They emailed me the buyers name and phone number and instructed me to meet at the venue. 

I contacted the buyer as instructed. The day of the event, the buyer declined to meet and told me they were buying tickets elsewhere. I did not cancel the sale at any time, and I followed XXXX instructions exactly. I did everything in my power to fulfill the sale under challenging circumstances caused by the merchant itself. Nonetheless, XXXX marked the sale as dropped and charged me a {$1000.00} penalty. 

I submitted evidence to American Express showing : ( 1 ) XXXX 's confirmation that transfers were blocked ; ( 2 ) XXXX  email giving me the buyers contact info; ( 3 ) My call logs showing I contacted XXXX ; and ( 4 ) My texts with the buyer arranging a drop off Despite this, American Express refuses to reverse the charge, stating that I agreed to XXXX  terms and that the merchant has a right to penalize me. However, this ignores the fact that I did not cancel the sale, and that the merchant caused the failure through improper support instructions and platform limitations. This charge was not authorized in spirit or substance, and it is a misuse of stored payment credentials to apply a penalty in a situation that I did not cause.

Company response to consumer: Closed with explanation