vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I recently turned XXXX. I have been trying to pull my credit report for the first time, but each credit bureau keeps saying that my information does not match their records. Since I have never had credit before, this would be my very first report. 

I have already sent in my Social Security card, drivers license, and other identity documents multiple times, but I still have not been given access to my credit report. None of the bureaus have responded with a resolution, and I am still unable to obtain a copy of my report as required by 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Failure to Refund Chase Ultimate Rewards Points for Canceled Flight ( Chase Travel Booking ) Description of Events : On XX/XX/year>, I redeemed XXXX Chase Ultimate Rewards points plus {$360.00} through the Chase Travel portal to book a flight with XXXX XXXX. 
Trip ID : XXXX Booking Confirmation Number: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 The flight was subsequently canceled by XXXX XXXX due to the XXXX XXXX  on XXXX. 
In XX/XX/year>, XXXX XXXX issued refund vouchers and instructed me to provide them to my travel agent, Chase Travel, to process my refund. 

I promptly submitted the required refund vouchers and all necessary information to Chase Travel. 

It has now been over three months, and I have not received a refund of my Chase Ultimate Rewards points. I have contacted Chase Travel customer service on multiple occasions ( at least 5 times ). Each time, the representative states that the ticket refund is still being processed or is " held by XXXX. 

When I contact XXXX XXXX, they correctly state that since I booked through a third-party agent, the refund must be processed by that agent ( Chase Travel ).

I am caught in a loop where Chase Travel is blaming the airline for a delay, and the airline is pointing back to Chase Travel as the responsible party for issuing my refund. 

As the merchant of record for this transaction, Chase is ultimately responsible for failing to provide the service I paid for ( the flight ) and for failing to process a timely refund. A delay of over three months is unacceptable and a violation of consumer rights. 

I request the immediate and full refund of XXXX Chase Ultimate Rewards points plus {$360.00} to my account. 

Furthermore, I expect Chase to provide a formal, written response through the CFPB portal confirming that the refund has been processed and explaining the reason for this unreasonable and excessive delay. This resolution should be completed without any further action required on my part. 

I am attaching the trip documentation, refund vouchers from XXXX and the ticket I opened with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., concerning the inaccuracies I have identified 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union charged me 54 separate {$20.00} OOPS overdraft fees totaling {$1000.00} in just a few weeks. I understood OOPS to mean one {$20.00} fee each time my account went into overdraft, not repeated fees for every transaction while my account was already negative. I also did not understand they would charge fees on top of feesmeaning my account was pushed further into overdraft by the fees themselves, which then triggered more fees. 

Navy Federals own written terms say OOPS fees are limited to one per day per account and are calculated after the close of each business day with a {$50.00} cushion. Despite this, I was charged multiple fees per day and never received the promised end-of-day protection. 

When I called to dispute this, a supervisor said he was only willing to refund 4 of the 54 fees ( {$80.00} ) and told me : you can either take the 4 fee refunds or I can disconnect this call now. This response felt coercive and unfair. 

I accept responsibility for 8 overdraft events {$20.00} = {$160.00}, but I am requesting a refund of the {$920.00} in excess fees that I never agreed to and that contradict Navy Federals own disclosures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am challenging the accuracy of certain accounts listed in my credit file, as they do not belong to me. I request a full review and removal of these accounts. Supporting evidence is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
PayPal offered a no interest if paid in six months payment option on purchases. I took advantage of this option for a number of years ; as far as knew, I paid the balance in full XX/XX/XXXX. I was very careful to pay within the parameters of the option to avoid any interest charged on the balance owing. I noticed I was continuing to be charged, with interest, on a balance my account did not show on-line. I have no on-line access of this portion of my account- the website has changed early XXXX. I have contacted PayPal a number of times via their internal messaging system, filing a complaint via their form and a long letter by US mail in XX/XX/XXXX. I have not received a response to date and their reporting alleged non-payment to the credit reporting agencies has absolutely ruined what was a very good score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: WA

Complaint narrative:
I am filing this complaint because all three credit bureaus are reporting a late payment on my XXXX account ( Account ending in XXXXXXXX XXXX XXXX XXXX XX/XX/year> ), despite the account being fully closed and paid in full. The account currently shows a balance of {$0.00} and XXXX past due, yet the bureaus continue to display it as late. I have attached a copy of my most recent credit report, which clearly proves there is no outstanding balance or past due for this account. There is no factual basis for reporting this item as delinquent. 

This reporting is inaccurate, misleading, and damaging. By continuing to show a late payment on an account that has been fully satisfied, the bureaus and XXXX are falsely portraying me as a delinquent borrower. This violates their obligations under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i, which mandates a proper reinvestigation when a dispute is raised. Previous disputes regarding this account have been ignored or superficially verified without proper review, which demonstrates a pattern of negligence and failure to comply with federal law. 

The continued presence of this false late payment is harmful and unacceptable. It unfairly impacts my creditworthiness, limits access to fair financial products, and creates unnecessary stress. This is exactly the type of inaccurate reporting the FCRA was enacted to prevent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to request the correction of inaccurate personal information on my credit report. The current errors are causing significant issues with my credit applications, and I need this matter resolved promptly. 

I have attached the necessary documents to verify my correct personal details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
In XXXX I made the XXXX  XXXX who is very very rude know that I would be moving at the XXXX  of the year. I paid my rent as usual and in XX/XX/XXXX I began to make my move to exit the unit. I had until XX/XX/XXXX to get all of my belongings out and I had them out and unit clean when I left on the XXXX of XXXX. When I came back to the unit to do my final walk through and turn in the keys to the unit as instructed from the XXXX  XXXX people were already in the unit cleaning and getting ready to move in. I took video and pictures to insure I was not responsible for anything that may happen. I turned the keys in and left. Several months later I then see on my credit report that the XXXX  is trying to collect money for damages I know and can prove I never did. In addition I turned the keys in a day before thinking I should be good and they already had people in the unit so how do we not know those people did damage to the unit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
On XX/XX/year>, a hard inquiry from CitiBank ( CBNA ) appeared on my credit report. I applied for credit through XXXX XXXX, and the disclosure stated that a hard inquiry would only occur if I was approved. I was not approved, yet the inquiry was still made. 

Under the Fair Credit Reporting Act ( FCRA ), only accurate, complete, and verifiable information may remain on a consumers credit report. Because this inquiry was not authorized under the disclosed terms, I am requesting that it be removed. 

I have contacted CitiBank, and they confirmed they will be mailing me a letter regarding my dispute. I am requesting XXXX assistance to ensure that this inaccurate inquiry is removed from my credit report and that CitiBank complies with FCRA requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a formal complaint regarding my XXXX vehicle purchased in XXXX from XXXX. Shortly after my purchase, XXXX drastically reduced the price of new vehicles, leaving me and many others with cars that lost tens of thousands of dollars in value overnight. 

For example : I am currently paying XXXX XXXXXXXX on my auto loan ( Capital One, XXXX ending in XXXX ). As of today, I have already paid {$36000.00}, yet I still owe {$31000.00} on this loan, with a projected additional payoff cost of {$620.00} by maturity ( XX/XX/XXXX ). 
Meanwhile, XXXX is now advertising brand new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$34000.00}, before federal tax credits and additional savings. 

This means that despite faithfully paying on my loan for years, I currently owe nearly the same amount as what it would cost a consumer to walk into a XXXX showroom today and purchase a brand new vehicle with updated features. This is grossly unfair, misleading, and predatory toward existing customers. 

The impacts include : Unfair trade practices : XXXX  abrupt and extreme pricing strategy created an artificial financial disadvantage for early buyers. 
Consumer deception : Buyers like myself entered these contracts in good faith, with no indication that XXXX would destroy resale and equity value within such a short period. 
Financial harm and unjust enrichment : XXXX secured full-value sales while leaving loyal customers burdened with underwater loans. 

I have reached out to XXXX and Capital One for assistance, yet neither has provided a solution or acknowledgment of this problem. The combination of XXXX conduct and the lack of support from financing partners has left me trapped in a loan that is economically irrational compared to current market conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX TransUnion XX/XX/XXXX Issue : I did not authorize this hard inquiry and did not apply for credit with XXXX XXXX. 
Action taken : tried to dispute dispute with TransUnion by phone and denied the option XXXX XXXX Equifax XX/XX/XXXX Issue : No application or consent given to XXXX XXXX  on or around this date. 
Action taken : demanded XXXX original application/contract, nothing received back. 

XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX : No application/consent for this dealership inquiry. 

Action taken : requested dealership XXXX XXXX  I documents showing signed credit app or digital consent. Nothing received back. 

XXXX XXXX XXXX TransUnion XX/XX/XXXX Issue : No application/consent for this inquiry with XXXX XXXX XXXX XXXX 

Action taken : requested dealership XXXX XXXX I documents showing signed credit app or digital consent. Nothing received back. 

XXXXXXXX XXXX  XXXX XXXX TransUnion XX/XX/XXXX Issue : No application/consent ; appears duplicative of the dealership pull above.

Action taken : requested dealership XXXX XXXX I documents showing signed credit app or digital consent. Nothing received back. 

XXXX XXXX Experian XX/XX/XXXX Issue : No application/consent for this hard inquiry with XXXX XXXX XXXX XXXX 

Action taken : requested dealership XXXX XXXX I documents showing signed credit app or digital consent. Nothing received back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
User on XXXX ( user name- XXXX XXXX ) reached out to a post that I made saying they wanted the product and how much would it be for me to send it to them. I said {$14.00} and they said they sent it via ZELLE but nothing showed up in my bank but this is what was sent to my email and via text message. DEAR CUSTOMER, sent by : XXXX We noticed you Just received a BUSINESS PAYMENT of {$14.00} USD. 

The transaction can not be reversed or canceled until this process is completed. 

IMPORTANT NOTE : we kindly request that you verify your identity immediately. For assistance, please contact our the support team below : XXXX ( XXXX ) XXXX ( XXXX ) The security of your ZELLE account is important to us, and we are currently reviewing your account. 

THANKS FOR YOUR UNDERSTANDING. 

TEAM ZELLE SUPPORT then i received another email message that contained..... 
email sent by : XXXX Zelle Dear Customer, We have a pending payment of {$15.00} USD but we have a problem crediting your account with the stated amount because the status of your Zelle account is not a business account which limits your account with the stated amount being above your limit. This will not make us credit your account until you expand your limit. 
How do I expand my account? 

Contact the last payer of your account to send in an additional payment of {$400.00} USD so that your account limit can be upgraded to a XXXX Account and both of you will conclude on how you will refund him back once he has made the additional payment transfer, and as soon as this is done, your Zelle account will be fully funded with the total sum of {$410.00} USD. 

An alert has been sent to the buyer regarding the {$400.00} XXXX additional payment he has to pay into your a. All transactions on the Zelle platform are completely safe and secure, so you dont have to worry about any loss of funds.ccount NOTE : All transactions are been monitored by the FEDERAL BUREAU OF INVESTIGATION ( FBI ) and also insured with an HARDCOVER INSURANCE POLICY Do not hesitate to reply this email for more clarifications or call customer service XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) Thank you for using Zelle. 
Zelle XXXX here is more info on the user : Zelle Pay XXXX XXXX XXXX XXXX, XXXX XXXX picture of Zelle Pay Zelle Pay -- XXXX Zelle Pay XXXX XXXX Some XXXX profiles may not be shown

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries resulting from a data breach. Despite my formal dispute filed under Section 605B [ 15 U.S.C. 1681c-2 ], supported by a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Furthermore, it has not provided verifiable documentation bearing my signature or authenticated electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to establish a permissible purpose for these inquiries. These failures constitute clear violations of my consumer 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