vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: NV

Complaint narrative:
I am a documented and certified victim of identity theft. In XX/XX/XXXX, I submitted a full FCRA 605B packet to TransUnion, including my FTC Identity Theft Report, police report ( XXXX XXXX Case # XXXX ), my government-issued ID, Social Security XXXX XXXX and notarized affidavit of identity and address. 

TransUnion previously complied with 605B by blocking the fraudulent XXXX tradeline from my credit report. However, on or around XX/XX/XXXX, this tradeline reappeared on my credit file without prior notice, written reinvestigation results, or a certification of accuracy from the furnisher ( XXXX XXXX Bank ). 

This reappearance is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which prohibits re-reporting of a previously blocked item unless : The furnisher certifies the information is accurate ; AND The consumer is notified in writing within XXXX business days Neither of those steps occurred. 

I am requesting immediate removal of the unauthorized XXXX tradeline from my TransUnion report, and written confirmation that my identity theft documentation remains on file. If this issue persists, I will pursue regulatory escalation and arbitration. 

There are also XXXX INQUIRIES that I did not authorize and need to be deleted immediately from my credit report : XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX AUTO - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX 2024

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: LA

Complaint narrative:
The made me close my cashapp card and they say to get a new card and they not letting me get a new cashapp card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested that each of the credit reporting agencies correct my personal information, such as my address, and they have not done so. I am unable to get a copy of my credit report because they will not send XXXX to me. I am requesting that they update my address and send me a copy of my credit report. 

My address iXXXX 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested that each of the credit reporting agencies correct my personal information, such as my address, and they have not done so. I am unable to get a copy of my credit report because they will not send XXXX to me. I am requesting that they update my address and send me a copy of my credit report. 

My address iXXXX 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 2025-06-22 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: Chime Financial Inc
State: CA

Complaint narrative:
I am filing a complaint against Chime regarding an unauthorized debit card transaction that occurred on XX/XX/year>, at XXXX # XXXX for {$140.00}. 

I reported the transaction to Chime the same day, on XX/XX/XXXX, as fraudulent. They opened a dispute but denied it on XX/XX/XXXX, stating they needed further information. I then submitted a police report documenting the fraud, including the case number, date, and incident details. 

Despite this, Chime denied the dispute again and has not provided any written explanation or the evidence used to justify their decision. 

Under Regulation XXXX, I understand I have a right to a proper investigation and explanation. I believe Chime failed to comply with these federal consumer protections and is refusing to refund a clear case of fraud even after supporting law enforcement documentation was submitted. 

I am requesting that Chime reopen the case, provide a full written explanation of their decision, and refund the unauthorized charge. 

Attached : Police report filed in support of my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed XXXX accounts on my XXXX  report ( Best Buy/CBNA, XXXX Card, Macys/Citibank, XXXX XXXX XXXX ) and received reinvestigation results dated XX/XX/year> ( File ID : XXXX ). XXXX  verified these items but failed to provide the method of verification, did not address contradictions ( such as charge-offs showing current past due ), and retained disputed late payments without explanation. I am requesting the method of verification, copies of supporting documentation, and deletion of any unverifiable or materially misleading data under FCRA 1681i ( a ) ( 6 ), ( 7 ), and 1681e ( b ).

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 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against National Recovery Agency for Violating 12 CFR 1006.34 and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) Dear CFPB Representative, I am writing to file a formal complaint against National Recovery Agency XXXX XXXX ) for violating my rights as a consumer under federal law. The company has failed to meet regulatory requirements under Regulation F ( 12 CFR Part 1006 ) and the Fair Credit Reporting Act ( FCRA ). These violations affect my right to receive proper notice and documentation regarding a debt they claim I owe and my right to fair and accurate credit reporting.

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) Failure to Include Itemization Date XXXX failed to include the required itemization date in the validation notice. This omission prevents me from understanding when the debt was incurred and whether it is valid or time-barred. 
XXXX. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Failure to Itemize the Debt The agency did not provide a breakdown of the amount owed, such as interest, fees, payments made, and total balance. This is a clear failure to comply with the debt itemization requirement.

3. Violation of 12 CFR 1006.34 ( d ) Insufficient and Unclear Validation Notice The notice sent by XXXX was not " clear and conspicuous '' and failed to include important disclosures about my right to dispute the debt, the time frame to do so, and how I could request information about the original creditor. 
XXXX. Violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) Failure to Notify of Furnishing Negative Information XXXX XXXX XXXX alleged debt to XXXX or more credit reporting agencies without first notifying me in writing that this negative information would be furnished. I did not receive any advance notice as required by the FCRA.

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 2025-06-22 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 am reporting this information due to the information that I received from the credit bureaus that my information has been compromised and now I feel that my information has been sailed traded and borrowed for financial gain on behalf of credit agencies that is overseeing personal information on my credit file.personal information that is trade trading selling our personal information for their personal gain being monetary shared among companies without my authorization giving acknowledgment. All my personal information has been bought, sold, traded and compromise through identity theft. All of my personal information has been compromised. 

Full Restoration on sale my credit information with out my acknowledgment or authorization?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed inaccurate information with XXXX  on XX/XX/year>, XX/XX/year>, and XX/XX/year> under confirmation numbers XXXX, XXXX, and XXXX. XXXX XXXX stated the reinvestigations were completed, but they refused to provide downloadable results or mail them. I am requesting the full reinvestigation results and method of verification, including the name and contact of each furnisher. Under FCRA 1681i ( a ) ( 6 ) and ( 7 ), I am legally entitled to this information. XXXX  has failed to comply and is obstructing my ability to verify or challenge the disputed data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX MACYS/Citibank account # 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed inaccurate information with XXXX  on XX/XX/year>, XX/XX/year>, and XX/XX/year> under confirmation numbers XXXX, XXXX, and XXXX. XXXX portal stated the reinvestigations were completed, but they refused to provide downloadable results or mail them. I am requesting the full reinvestigation results and method of verification, including the name and contact of each furnisher. Under FCRA 1681i ( a ) ( 6 ) and ( 7 ), I am legally entitled to this information. XXXX  has failed to comply and is obstructing my ability to verify or challenge the disputed data. 
Best Buy/CBNA account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX MACYS/Citibank account # 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX. There are thousands of XXXX XXXX it is a common name. I had to go to court show my social security number. For an eviction to be removed from my credit history. I never had an eviction in my life. This has stop me from getting housing. This also stop me from obtaining credit cards. I have been with XXXX XXXX XXXXXXXX for 10 years and they wont approve me a XXXX dollar line of credit. I received XXXX dollars a month from XXXX. That will cover XXXX. I continue to get deny credit cards. Please remove items from my credit report. 

I will give you the 15 days wait period and I will continue to fight to have items removed from my credit reports I will also join this and future lawsuits

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express recently closed several of my accounts without providing any prior notice. As a result of these closures, all of my accumulated rewards points were forfeited. 

Specifically : My American Express XXXX XXXX XXXX ending in XXXX had enough points for approximately {$2200.00} in XXXX gift cards. 

My American Express XXXX XXXX ending in XXXX had XXXX Membership Rewards points. 

I fully accept the closure of these accounts as a business decision. However, I strongly disagree with the forfeiture of the rewards points I had lawfully accumulated through eligible purchases and payments made while the accounts were in good standing. 

I have contacted American Express multiple times through both phone and written correspondence to request access to redeem my existing rewards points, but they have consistently refused to allow this. 

Given that the rewards points were earned prior to account closure and were not the result of any misuse or fraudulent activity, I believe it is unfair and unreasonable for American Express to withhold them without providing an opportunity to redeem.

Resolution I am seeking : I respectfully request that American Express either : Allow me to redeem my accumulated rewards points before finalizing the forfeiture ; or Reinstate the equivalent value of the points in the form of a statement credit, gift cards, or other redemption options. 

I would greatly appreciate the CFPBs assistance in resolving this matter. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NV

Complaint narrative:
It has come to my attention, through review of my credit reports from Transunion, XXXX, Transunion that XXXX XXXX continues to inaccurately report missing payments for the above-referenced account. This account was officially closed inXXXX, and the loan balance was paid in full. 

Despite the account being closed and the balance satisfied, XXXX XXXX has continued to report derogatory information, specifically missed payments, into XXXX. This reporting is factually incorrect, misleading, and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It has come to my attention, through review of my credit reports from XXXX, XXXX, XXXX  that XXXX XXXX continues to inaccurately report missing payments for the above-referenced account. This account was officially closed inXXXX, and the loan balance was paid in full. 

Despite the account being closed and the balance satisfied, XXXX XXXX has continued to report derogatory information, specifically missed payments, into XXXX. This reporting is factually incorrect, misleading, and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-22 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: NV

Complaint narrative:
It has come to my attention, through review of my credit reports from XXXX, Equifax, XXXX  that XXXX XXXX continues to inaccurately report missing payments for the above-referenced account. This account was officially closed inXXXX, and the loan balance was paid in full. 

Despite the account being closed and the balance satisfied, XXXX XXXX has continued to report derogatory information, specifically missed payments, into XXXX. This reporting is factually incorrect, misleading, and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I noticed several hard inquiries on my credit report that I did not authorize. These inquiries are from companies including XXXX Bank, JPMCB Card, XXXX, and XXXX XXXX. I did not request credit or take any action with these companies. Please investigate these inquiries and remove any that are not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I noticed several hard inquiries on my credit report that I did not authorize. These inquiries are from companies including XXXX Bank, XXXX XXXX, XXXX, and XXXX XXXX. I did not request credit or take any action with these companies. Please investigate these inquiries and remove any that are not authorized.

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 2025-06-22 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: Self Financial Inc.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report resulting from identity theft. I recently reviewed my credit report and discovered accounts/inquiries that I did not open, authorize, or have any knowledge of. This activity is a result of someone fraudulently using my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
upon reviewin my credit report, i found XXXX accounts that im not aware of and didnt authorize on my credit report, ive disputed these items, i feel like ive been a victim of ID theft, ive sent thw credit agentcys my id theft report, but these items still remain on 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 2025-06-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: CA

Complaint narrative:
I am writing to dispute several unauthorized entries and incorrect personal information that I discovered on my credit report. Specifically, I have identified the following unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dated XX/XX/2025 XXXX  XXXX Inquiry dated XX/XX/2025 In addition, my credit report reflects an incorrect address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ME XXXX I did not authorize either of these inquiries and have no affiliation with the address listed above. I believe these items XXXX be the result of identity theft or fraudulent activity. I have already contacted XXXX, who reviewed and confirmed that these inquiries and the incorrect address were unauthorized and fraudulent. They have since removed them from my 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 non-monetary relief