vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: NJ

Complaint narrative:
I am disputing a XXXX XXXX XXXX XXXX account on my TransUnion credit report. 
The account is under a former name and is not in my current legal name.The previously linked address has been removed, yet the account still appears inaccurately. 
Because this account can not be verified under my current legal identity, I request that TransUnion delete this account from my credit report in accordance with 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 2025-10-01 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for the XXXX XXXX credit card based on an advertised promotion that clearly promised XXXX bonus miles after meeting the spending requirement. The same promotion also showed in my online account after I was approved, confirming the XXXX miles offer. 

However, I only received XXXX bonus miles instead of the full XXXX. This is misleading and does not match the terms that were advertised at the time of my application. I met the required spending threshold, so I should have received the full XXXX miles as promised. 

I contacted customer service, but the issue has not been resolved. I am requesting that the financial institution honor the original offer and credit the missing XXXX miles to my account.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I revoked XXXX XXXX  authorization to debit my checking account and notified Chase Bank. My trainer had left in XX/XX/XXXX, yet XXXX XXXX charged me {$320.00} on XX/XX/XXXX, {$320.00} on XX/XX/XXXX, and {$320.00} on XX/XX/XXXX for personal training services not rendered. California law also requires gyms to provide written notice before a trial contract period ends and higher rates begin ; XXXX XXXX failed to do so. Chase refunded part of this dispute but denied XX/XX/XXXX as valid under contract terms. That finding was false. I had evidence that services were not provided, but Chase never requested or permitted me to provide supporting documentation, nor did it disclose the basis of its conclusion. 

Despite my XX/XX/XXXX cancellation, XXXX XXXX continued billing my account monthly from XX/XX/XXXX through XX/XX/XXXX, including annual fees in XXXX. These membership debits totaled {$790.00}. Together with the {$970.00} in training charges for services not rendered, XXXX XXXX submitted {$1700.00} in unauthorized debits between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I disputed the XX/XX/XXXX charge and received a provisional {$27.00} credit ( Claim XXXX ). On XX/XX/XXXX I filed a broader dispute ( Claim XXXX ) covering all post-cancellation charges. Chase credited XXXX small debits from fall XXXX but denied XX/XX/XXXX through XX/XX/XXXX, citing the XXXX reporting rule. This was improper because the XX/XX/XXXX debit ( {$27.00} ) was within XXXX  days of my report. 

On XX/XX/XXXX Chase placed a stop-payment on XXXX XXXX debits but coerced me into paying a {$30.00} fee for it after prompting me to repeat scripted consent language. Chase was already obligated under Regulation XXXX to block these debits once I revoked authorization in XX/XX/XXXX. Forcing me to pay a fee to correct their noncompliance is unjust enrichment. 

On XX/XX/XXXX Chase replied to my escalation. They stated that provisional credits were issued but no new credits were posted, and they claimed my XXXX case was credited for the valid dispute, mischaracterizing it as resolved despite denying the XX/XX/XXXX charge. They ignored my points about the XX/XX/XXXX debit, the coerced {$30.00} fee, and misrepresentations by their agents. 

Chase has mishandled my disputes and violated its Regulation XXXX obligations by continuing to honor unauthorized debits after XX/XX/XXXX, denying refunds that fall within the XXXX window, charging me for a stop-payment that should have been free, and misrepresenting prior claims as resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX 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 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays dropped my credit limit to XXXX XXXXafter paying off my balance. This is a personal attack on my finances in a sad attempt to control my spending power. 

There is no legitimate justification for this. The timing and amount of the decrease shows they have no respect for consumers. 

Also, I didn't receive any prior notice only until after they dropped my limit.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
Cease and deceast. Chain of custody or foward flow agreement. Debt validation letter.

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 2025-10-01 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: GA

Complaint narrative:
The claim is from Jefferson capital systems which is the collection agency for XXXX for {$1100.00}. I have been dealing with this for many years now. Im unsure of the exact date. I never opened an account with sprint in my life. I shouldnt be held liable for the amount that is owed and it is a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: ID

Complaint narrative:
I lost access to the phone I was using to access this account. After trying to upload my ID around XXXX times the system wouldn't recognize it. I emailed the company and got only an automated response saying someone would get back to me within XXXX hours but I never heard another word from the company. The only way to actually talk to a person is through the XXXX  but if you can't access the XXXX  then this option is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
I am formally disputing the reporting of a collection account on my credit file. This account is inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 1681i, and 1681e ( b ), as well as the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

Under the FCRA and FDCPA, both the credit reporting agencies and the collection agency must ensure that only information which can be verified as accurate and complete remains on my credit file. To date, no valid documentation has been provided showing that this debt is legally mine, collectible, and being reported correctly. Proper validation must include original signed contracts, itemized statements, and documented proof of assignment from the original creditor to the current collector. Without this evidence, the account is unverifiable and must be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Company contacted personal references in regards to the alleged debt, this is a third party company I have never done business with.

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 2025-10-01 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: WA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$31000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$25000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$69000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$100000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I called them about my cash app that was locked they continued to tell me my social security number address and email address was not the correct XXXX on the cash app I had almost XXXX dollars on this account they continued to tell me someone will call me back and transfer me to different representatives and no XXXX would unlocked my cash app account. Never heard anything back nor got a email or piece of mail after they closed my account with the funds in it. Now XXXX not able to open a new cash app because they blocked my ssn because they know they stole my money. I am filing a complaint against CASH APP ( Block , Inc ) due to inadequate customer service and unfair practices which VIOLATE the CONSUMER FINANCIAL PROTECTION ACT. ( CFPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: AZ

Complaint narrative:
I filed XXXX different dispute reports for unauthorized debits to my account with the bank. each report contain XXXX or more transactions. first time of contact XX/XX/year> XXXX totaling {$340.00} second contact on XX/XX/year> XXXX transactions totaling {$330.00} the third contact to the bank was XX/XX/year> for the amount of : {$330.00} total amount for all XXXX reports filed {$1000.00} all three reports were denied. all three reports were submitted XXXX different times. thy were all denied with the reason, " There investigation were finalized and they determined that there was no error. no credit will be issued '' the evidence clearly shows of the persons having taken my money deposited to XXXX different accounts. i provided evidence of the person from a XXXX XXXX XXXX USED TO PERFORM THE FRAUDENT TRANSACTIONS POLICE REPORTED FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-10-01 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:
On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: Webcollex, LLC
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not authorize or participate in any of the fraudulent activities that have been conducted in my name, and I am requesting that this matter be investigated and that all fraudulent accounts, transactions, and inquiries the following accounts XXXX XXXX XXXX Account XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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