vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I filed a complaint directly with XXXX on XX/XX/year> regarding a derogatory account that is being reported on my credit report. I responded to XXXX and clearly disputed the account, explaining that I do not own this account and that it was opened without my authorization. I also filed an identity theft report and submitted an FTC Identity Theft Report to formally document that this account does not belong to me. 

Despite my dispute and the identity theft documentation I provided, XXXX failed to supply any meaningful proof that the account is valid or that I am the responsible party. Specifically, XXXX has not provided any of the following : Proof that I signed a loan or financing agreement Proof of indebtedness Any borrower-specific data linking me to the account Any loan amount tied to me Any payment schedule Any merchant name, invoice, or proof of services Any identity verification records ( such as ID verification, IP address, device logs, or authentication records ) Instead of producing actual documentation, XXXX relied on generic statements and incomplete records that do not demonstrate that I opened, authorized, or benefited from this account. There is no signed contract, no application bearing my information, and no evidence showing that proper identity verification took place at the time the account was allegedly opened. 

Because XXXX failed to provide valid proof, I requested that the account be removed from my credit report. However, XXXX refused to delete the account and continues to report it as derogatory. This continued reporting is damaging my credit and financial standing, even though the company has not substantiated the debt. 

In addition, after receiving XXXX response, I am now unable to create another case or submit further rebuttals through their system, effectively preventing me from continuing the dispute directly with the company. This leaves me with no option other than seeking assistance through the CFPB. 

I have complied with all reasonable requests, submitted identity theft documentation, and clearly explained that this account is not mine. XXXX has not met its obligation to validate the account, yet it continues to report negative information and has taken or threatened negative action by maintaining derogatory reporting without proof. 

I am requesting assistance to ensure that XXXX either provides proper documentation proving this account belongs to me or removes the unverifiable and fraudulent information from my credit report. Supporting documents have been attached for 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 2025-12-26 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: NV

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION OR RESPONSIBILITY FOR THESE ACCOUNTS.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased flights at XXXX XXXX. Citi Bank had a promotion going on and it was if you would apply for the XXXX XXXX XXXX XXXX  XXXX you would receive a {$250.00} credit when you do your first XXXX XXXX purchase on the card. I purchased the flights and I did not receive the promotion. I applied for my card through the link on the XXXX XXXX website, the way I instructed told to, and was told after I received and used my card that the advertised {$250.00} credit would not be a benefit of mine, even though I completed my XXXX XXXX XXXX purchase on that card to receive the credit like I was supposed to do. I was not told why I would not receive that benefit.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
on XX/XX/year> a balance of {$100.00} for my final settle amount which Capital One offered to me was resolved as of XX/XX/XXXX. Capital One does not have the correct information as far as the balance and it does not have my information listed as the amount was settled they need to have this removed from my Credit report because this is inaccurate information. This company has violated me because they are reporting inaccurate information to the credit bureaus. Please have this information deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-26 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: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX Bankruptcy XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known XXXXXXXX  data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-26 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:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 2025-12-26 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-26 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: DISCOVER BANK
State: OH

Complaint narrative:
I received credit alerts that someone using my name was inquiring about using financial services from Discover, XXXX XXXX, and XXXX XXXX XXXX. 

The fraudulent request used my name, but used an address and phone number I am not familiar with. The new address and phone number showed up on my credit report, and I was able to dispute them with the credit reporting agencies successfully The fraudulent address used today was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The fraudulent phone number used was : ( XXXX ) XXXX On XX/XX/XXXX, this fraudulent address also showed up on my credit report, and I was able to dispute and remove it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have frozen my credit reports, but this is the second time in a month that someone in XXXX, Texas, has used my name to set up financial services. Is there a way to see if someone at these addresses and phone accounts is attempting identity theft? Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am submitting this complaint regarding a BrandSource credit card account issued by Citibank , N.A .

This account includes 2 promotional balances, including a deferred interest promotion and major purchase plan. These deferred interest balances require proper payment allocation in order to avoid retroactive interest charges. 

After reviewing the account statements, it became evident that payments were not being applied in a manner that prioritized the deferred interest promotional balances. As a result, the account was placed at risk of incurring deferred or retroactive interest charges despite payments being made consistently and in good faith. 

At no point was there clear disclosure or an accessible method provided to ensure that payments were applied correctly to the balances that require priority treatment. I even called to make sure payments were going to be applied correctly when I opened the account. The absence of a transparent and reliable payment allocation process creates a situation in which consumers are unfairly exposed to interest charges that could have been avoided with proper allocation. 

This appears to be a systemic issue rather than an isolated incident, as the same situation occurred on another account under similar promotional terms. I believe this constitutes an unfair and deceptive practice that benefits the issuer at the expense of the consumer. 

I am requesting : A full review and correction of how payments were applied to all promotional balances on this account.

Written confirmation that no deferred or retroactive interest will be assessed as a result of improper payment allocation.

A clear written explanation of Citibanks payment allocation policy for deferred interest and promotional balances. 

Consideration of a goodwill adjustment or account credit due to the time and effort required to identify and address this issue.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I applied for an XXXX XXXX credit card issued by First National Bank of Omaha ( FNBO ) in [ XXXX ]. 

FNBO denied the application citing the reason : Identifying information does not verify. 

I contacted FNBO by phone shortly after receiving the denial to understand the issue and to request verification. FNBO confirmed that XXXX  was used in the decision but would not identify what category of identifying information failed to verify ( for example, address, name, SSN, or third-party identity database ). 

I reviewed my XXXX  credit file in detail. My credit profile is excellent, and the residential address used in my application appears correctly in my XXXX  file as part of my address history. 

I contacted FNBO again and explicitly requested manual identity verification and escalation to a supervisor or identity verification specialist. FNBO declined these requests and stated that no additional information could be provided. The denial was treated as final, and no method was offered to confirm or correct any identifying information.

I contacted FNBO on multiple occasions over the following days requesting a supervisor contact me and received the same response.

As a result, I have no way to determine what information failed verification or to correct a potential error, even though the identifying address used appears in the credit bureau file FNBO relied upon.

I am not disputing creditworthiness or underwriting discretion. I am disputing the lack of meaningful notice and the absence of any reasonable process to resolve an identity verification mismatch.

I am requesting that FNBO be required to identify the general category of information that failed verification, disclose whether third-party identity databases were used, and provide a reasonable method for manual identity confirmation or correction.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
previously had a Chase XXXX XXXX account. I graduated in XX/XX/year>, but I did not know that my student account benefits would end and that new requirements were needed to avoid monthly service fees. Unfortunately, Chase began charging monthly service fees after the student period ended, and these fees continued for about XXXX and a XXXX  years without my awareness. I only discovered this recently when I carefully reviewed my account history. 

This situation was not intentional neglect or misuse of my account. I genuinely believed that my account benefits were still active and I did not receive any meaningful warning or notification that the monthly service fees would begin or were being charged continuously. 
After discovering the issue, I contacted Chase multiple times. Chase refunded only XXXX month of fees and refused to review or refund the rest, stating that they only allow XXXX goodwill refund per calendar year and that they had previously provided some goodwill refunds. However, those refunds do not reasonably address the fact that I was charged repeatedly for a very long period without my knowledge, which has caused financial loss. 

I respectfully request CFPBs assistance in asking Chase to reconsider this situation and provide a one-time exception or additional goodwill refund ( even partial ) for these monthly service fees, given that this is clearly a student account transition misunderstanding rather than abusive account behavior. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation