vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: IN

Complaint narrative:
I am writing to request your help in investigating these accounts, which are inaccurately listed on my credit report. As outlined under USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all pertinent documents for your careful review. Moreover, the account information differs significantly among the credit bureaus and contains several errors.

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 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I cancelled my auto payment ( {$130.00} ). Received an email that the auto payment was cancelled. Email stated " you will need to make other arrangements for your next payment-the due date is on your statement ''. My assumption was that since I cancelled it at XXXX XXXX  then my " next '' payment was still XX/XX/year> and I would need to make a manual payment to ensure XX/XX/year> due date was met. I made a payment at XXXX of {$120.00} which was the current balance due. The system or the email should state that the auto payment is already in process and will be taken out of your checking account. Now I have a credit on my Kohl 's Capital One card of {$130.00} and I am not a frequent shopper there so I would like a refund. 

My biggest concern is the process I need to now go through to get a refund. Credit companies are quick with taking your money but when you request a refund, and in this case, a very obvious reason for requesting the refund, the consumer is being made to jump through hoops to get the refund. Fortunately, I can afford to be without the {$130.00} but for some individuals this can cause unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
b'On XXXX XXXX XXXX, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XXXX XXXX XXXX, at XXXX XXXX in XXXX, PA, per USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts:XXXX XXXX XXXX $XXXX  (Account ending in XXXXXXXX XXXX XXXX XXXX  (Account ending in XXXX XXXX XXXX (Account #XXXX XXXX XXXX (Account #XXXX)XXXX XXXX XXXX (Account #XXXXXXXXAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XXXX XXXX XXXX, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.'

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a promotional offer from Citibank that was not honored, despite my compliance with all stated requirements and repeated confirmation from Citis customer support. 

Background : I applied for a Citi credit card that included a sign-up bonus of XXXX XXXX points upon spending {$4000.00} within the first 3 months of card membership. I received and activated the card in XXXX 2025 and reached the {$4000.00} spending threshold by XX/XX/XXXX, XXXX within the XXXX period. 

Issue : Despite meeting the requirement, I did not receive the XXXX points by the expected time. I contacted Citi Support several times : In XXXX, I was assured the {$4000.00} spend was met and to expect the points after XX/XX/XXXX. 

In XXXX, another representative confirmed again that the threshold was met and advised me to check after my XX/XX/XXXX statement. 

On XX/XX/XXXX, I followed up when the points were still missing and was then toldcontrary to all previous confirmationsthat I was {$910.00} short due to some non-eligible merchants. 

At no point during my earlier calls was I informed that any of my purchases were ineligible. Had I been told, I would have taken immediate action to make up the difference. Citis inconsistent and misleading communication denied me a fair opportunity to earn the reward as promised. 

Request : I respectfully request that Citi be required to either : XXXX the XXXX bonus points based on my documented compliance and support confirmations ; or XXXX a grace period to allow me to complete the remaining {$910.00} in eligible spending.

This situation has caused significant frustration and a loss of trust in Citis customer service. I am attaching my written communication with Citi and screenshots of my account transactions that validate my spending within the required timeframe. 

Thank you for reviewing this matter. I look forward to your support in helping resolve this fairly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey, 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 2025-07-15 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I write as both a consumer victim of the Equifax data breach ( XXXX XXXX. XXXX ) and a pro se litigant to urge your Subcommittees oversight of Nationwide Compliant persistent reporting of unverified and inaccurate eviction information and misstated financial figures. 
Nationwide Compliant conduct undermines the Fair Credit Reporting Acts accuracy and dispute-resolution mandates, injures thousands of Americans, and threatens public confidence in our consumercredit system. 

I. Background and Consumer Harm On XX/XX/year>, I discovered eviction entries on my background reports attributed to Nationwide Compliant, despite the absence of any wet-ink lease, court judgment, or legally binding documentation. 
The record lists rent arrears more than double the amounts I owe and assigns eviction dates that conflict with my actual tenancy history. 
My disputes directly with Nationwide Compliant have been ignored or rebuffed on the ground that an electronic signature suffices under the E-Sign Act, a position flatly inconsistent with both the XXXX XXXX possible accuracy requirement and XXXX XXXX consumerprotection statutes. 
As a result, I have suffered credit-score declines, lost financing opportunities, legal fees, emotional distress, and ongoing reputational harm. 

XXXX. Violations of XXXX XXXX XXXX XXXX XXXX  Accuracy Requirement ( 15 U.S.C. 1681e ( b ) ). XXXX XXXX  Consumer reporting agencies and furnishers must employ reasonable procedures to assure maximum possible accuracy. XXXX Compliants failure to verify the eviction record against any court dockets, certified judgments, or signed leases is a clear breach of that standard. 
XXXX XXXX XXXX  Duty to Investigate Disputes ( 15 U.S.C. 1681i ). XXXX XXXX  Upon notice of a dispute, a consumer reporting agency must conduct a reasonable reinvestigation. XXXX Compliant has refused to correct or delete the entry, instead insisting on an electronic consent form that does not meet the FCRAs evidentiary threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company be lying to me and telling me different things so I have no idea what they are doing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Second Alliance, Inc.
State: FL

Complaint narrative:
Good day, Ref XXXX XXXXXXXX ( XXXX XXXX, XXXX ) debt collector.

Please note this debt is Not owed as my son had Financial Aid and he himself resigned from the course and notified the school he will no longer be attending. This is fraud and must be removed form any all debt collectors now! XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, amount being billed by creditor {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Bridgecrest/XXXX  sent me the following letters ( attached ) : explanation of calculation of surplus or deficiency letter and a notice of disposition and our plan to sell property letter. When reviewing the documents you will see the amounts are different. I'm attaching the retail purchase agreement you will see the XXXX amount is incorrect. I also question the amount of proceeds of the disposition. I have outlined all details in the letter that I will attach to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I want this account removed from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) or updated to reflect a non-derogatory {$0.00} balance. Since Ally Financial has failed to respond to my verification requests under FCRA 623 ( b ) and 611 ( a ), continued reporting is inaccurate and unlawful. Deletion is the only fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear CFPB Representative, Experian continues to report manipulated first delinquency dates, adding 12 years to the timeline. This not only misrepresents my credit history, but undermines my legal rights to fair reporting and timely removal of derogatory information. I am writing to file a formal complaint against Experian for its repeated failure to conduct a meaningful reinvestigation of disputed credit report entries, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681e ( b ) Failure to maintain procedures ensuring maximum possible accuracy. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct reasonable reinvestigation upon notification of dispute. Over the past year, I have submitted multiple dispute letters to Experian regarding inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Same issue These accounts have been " verified '' repeatedly without any supporting documentation, and Experian continues to report manipulated first delinquency dates, adding 12 years to the timeline. This not only misrepresents my credit history, but undermines my legal rights to fair reporting and timely removal of derogatory information. I suffered a serious car accident on XX/XX/year>, which prevented me from working and led to initial delinquencies beginning at that time. All of the above creditors initially reported XX/XX/year> as the first late datebut Experian has permitted these dates to be revised to later periods, restarting the aging of the negative marks without justification. 

I request the CFPB to initiate an investigation into : Experians failure to obtain proper verification from original furnishers. Their unlawful extension of delinquency dates Their response practices violating 1681e ( b ) and 1681i The involvement of unauthorized or misrepresented third-party responders Please enforce the required standards and compel Experian to correct this immediately and provide documentation from furnishers, not vague verified outcomes.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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