vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Formal Complaint Regarding {$300.00} New Account Bonus Mishandled by Chase XXXX Branch I am writing to formally lodge a complaint regarding the mishandling of my new account bonus at your XXXX Branch ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). 

I opened a new checking and savings account with Chase in early XX/XX/year>. During the account opening, the banker who assisted me informed me that I would be eligible for a {$300.00} new account bonus, provided that I completed a direct deposit within 90 days. 

When I asked specifically what qualifies as a direct deposit, the banker told me that transferring over {$500.00} from another business account would meet the requirement. There were no other instructions or clarifications provided. Following this guidance, I completed the transfer about 30 days after opening the account. However, I never received the {$300.00} bonus. 

I immediately called Chase customer service to inquire about the issue. The representative informed me that the banker who opened my account failed to properly redeem or link the bonus offer, and advised me to contact my branch directly to resolve the matter. At that time ( XX/XX/XXXX ), I was still well within the 90-day qualification window. 

Since then, I have contacted the XXXX branch multiple times, but the issue has been repeatedly passed around without resolution. I even reached out to the branch manager, but received no response. More than a month later, I finally received a call from a staff member named XXXX, who insisted that the problem was due to my incorrect action and that since more than 90 days had passed, I was no longer eligible for the bonus. 

This response is unacceptable for several reasons : The bankers instructions at account opening were incomplete and misleading regarding what qualifies as a direct deposit. 

I contacted Chase immediately upon noticing the missing bonus, well within the 90-day period.

The branchs failure to follow up for over a month directly caused the delay and the loss of my eligibility.

I respectfully request a formal review and correction of this issue, as the mistake originated from Chases miscommunication and lack of timely follow-up, not from customer error. And their staff 's attitude was extremely unprofessional and dismissive Please provide a clear explanation and a fair resolution ideally the issuance of the promised {$300.00} bonus as originally stated at the time of account opening.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Please look at the attached documentation ; the inquiries arrived without prior alert and may be unauthorized.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-11-04 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:
I received a letter from XXXX dated XX/XX/XXXX stating part of my student loan ( {$50000.00}, attached ) was being discharged after fulfilling my Public Service Loan Forgiveness agreement. I had a second portion ( {$24000.00} ) that was forgiven under the same PSLF agreement and stated as discharged and a {$0.00} balance in a letter dated XX/XX/XXXX ( also attached ). I also have a printout from XX/XX/XXXX showing that the latter amount of {$24000.00} was being discharged. This last amount is still showing as balance on my credit report for all 3 credit reporting agencies with an increased balance. I have reached out to XXXX on multiple occasions to try to settle this entry on my credit report. Their first response was that it would take up to 90 days for it to update but it has now been 16 months. I sent another message in XX/XX/XXXX with no response. I have tried disputing it 3x on my credit reports with no acceptable outcome to reflect an updated XXXX balance with account closed. The current entry on my credit report last update on XX/XX/XXXX shows a balance of {$25000.00} which is approximately {$700.00} more than what the discharge amount stated in previous letters.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
I am continually getting bothered by a company called Radius Global Solutions LLC. They are trying to get me to pay them for a debt I am repeatedly asked for validation for. Ask per FCRA 1692 ( g ) I am entitled to the following documentation : 1. A record of the service or merchandise that caused this debt.

2. A full payment history 3.A full validation of this debt including a breakdown of the debt, including original principal, any interest, and all fees and charges.

4. the original signed credit agreement 5. The assignment of records showing this collection agency has the right to collect.

6. Proof of transfer, documentation showing how the debt was sold or transferred from the original creditor to this collection agency.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
Subject : Dispute of Negative Items on Credit Report Dear Sir or Madam, I am writing to formally dispute certain information on my credit report with TransUnion. I recently reviewed my credit report, and I found several negative items that may be inaccurate or outdated.

The specific items I am disputing are as follows : 1. Delinquent Account Account Name : [ Account Name or Creditor ] Account Number : [ Account Number ] I believe this account is incorrectly marked as delinquent. Please investigate this matter and verify the accuracy of the information.

2. Derogatory Marks Account Name : [ Account Name or Creditor ] Account Number : [ Account Number ] There are derogatory marks on my account. I am requesting that you verify the accuracy of these marks and provide me with the supporting documentation.

3. Collections Account Name : [ Account Name or Creditor ] Account Number : [ Account Number ] This account is listed as being in collections. Please verify whether this is accurate, and if not, please remove the collection account from my report.

4. Charge-Off Account Name : [ Account Name or Creditor ] Account Number : [ Account Number ] This account is listed as a charge-off, which I believe may not be accurate. Please provide supporting documentation for this charge-off and remove it if it is found to be erroneous.

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 2025-11-04 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: MI

Complaint narrative:
I am writing to dispute several inaccuracies in my TransUnion credit report as of [ Yesterday 's Date ]. Below are the accounts in question that I believe contain errors and violations under the Fair Credit Reporting Act ( FCRA ). I request that these discrepancies be fully investigated.

1. XXXX  ( Account Name ) Account Number : [ Account Number ] Reported Balance : $ [ Balance ] Date Opened : [ Date Opened ] FCRA Violation : Incorrect reporting of account activity or failure to correct disputed items. 
Possible Data Breach : Please investigate whether this account may have been impacted by a data breach.

Violation References : FCRA Section 1681e ( b ) : Inaccurate information reported by the credit agency.

FCRA Section 1681c : Reporting outdated or inaccurate information.

Data Breach : Possible breach resulting in inaccurate reporting.

2. XXXX XXXX XXXX XXXX ( Account Name ) Account Number : [ Account Number ] Reported Balance : $ [ Balance ] Date Opened : [ Date Opened ] FCRA Violation : Inaccurate status or details being reported, including late payments that do not accurately reflect the accounts activity. 
Possible Data Breach : Suspected breach of personal information that may have led to incorrect account reporting.

Violation References : FCRA Section 1681i : Incorrect investigation outcome or failure to update information.

Data Breach : Potential data breach related to reporting errors.

3. Bankruptcy Information Type : XXXX  XXXX Bankruptcy Reported Date : XX/XX/year> Closing Date : XX/XX/year> Discharge Status : Discharged Court : XXXX Bankruptcy XXXX Liability : {$0.00} Asset Amount : {$0.00}

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 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Asset Recovery Solutions, LLC
State: UT

Complaint narrative:
Application for dismissal was sent to XXXX and XXXX by phone call mentioned that they received the application and was reviewing it. They never responded back and now receiving statement with threat from Asset Recovery Solutions. I am now XXXX and can't make payments and threats like this are really depressing when school and XXXX XXXX lied about the the employment chances after getting degree. With the college education that I have received I have worked in the field of study less than what it took me to get the degree. The education received has been pretty much worthless as both the college and XXXX XXXX guaranteed great employment opportunities and I graduated with XXXX  within the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: SC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: SC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX XX/XX/XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request to Remove Unauthorized Hard Inquiries Dear TransUnion Dispute Department, I am writing to formally dispute several unauthorized hard inquiries appearing on my TransUnion credit report. I did not grant authorization for these companies to access my credit file, as required by the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 )

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 2025-11-04 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX XX/XX/XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request to Remove Unauthorized Hard Inquiries Dear TransUnion Dispute Department, I am writing to formally dispute several unauthorized hard inquiries appearing on my TransUnion credit report. I did not grant authorization for these companies to access my credit file, as required by the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 )

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 2025-11-04 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: FL

Complaint narrative:
I am writing to dispute an item on my credit report. The item I am disputing is listed below : Account Name : XXXX XXXX XXXX Account Number : [ Insert account number ] Date Reported : [ Insert the date the account was reported ] Issue : This account has been reported as a charge-off ( or incorrect status ) on my credit report. However, I believe this information is inaccurate because [ briefly explain the reason you believe it's inaccurate, e.g., account was settled, paid, or its an error ].

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove any inaccurate or unverifiable information from my credit file. I have attached supporting documentation to assist with your investigation, which includes [ list documents, e.g., settlement agreement, payment records, etc. ].

Please conduct a full investigation of this account and provide me with the results within the 30- day period as required by law. If you are unable to verify this information, I request that it be removed from my credit report immediately.

Thank you for your attention to this matter.

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 2025-11-04 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: FL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-04 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Climb Credit Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a student loan in the amount of {$13000.00} was taken out in my name through climb credit without my authorization or permission. This was a loan taken out on my behalf for an online school that is not in business. This account is fraudulent and was open without my consent. I did not receive any funds. I also have not received any services. I do not attend this online school and they have not answered any calls, emails voicemails or any other form of communication that I have been requesting to resolve this matter. Ive also filed a dispute with the credit bureau and that has not worked either. This school is fraudulent and received money on my behalf without my consent.

Company response to consumer: Closed with explanation