vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a reservation on United Airlines for 4 to travel to XXXX XXXX. 
My husband has a XXXX XXXX XXXX account with XXXX miles so I dutifully entered his mileage account number and clicked on " miles and money ''. 

I was very surprised by the price of the ticket and the add-on 's totally ~ {$900.00}. 
I called on XX/XX/XXXX and asked if my ticket price would be decreased by putting the ticket on my husband 's new " XXXX XXXX 'XXXX XXXX  which does pay for some baggage Following this conversation my XXXX reservation was cancelled by XXXX. 

To repeat this reservation # XXXX was CANCELLED BY XXXX. 

Surprised I made a NEW XXXX reservation XXXX and placed this on a 3 day lock to see why my mileage was not included on this reservation. When I called about this I was told by a XXXX Representative that likely my flight was NOT available for miles. How would I know that I asked? " you would have to search on a separate website '' I was told. I was flabbergasted by this as XXXX  XXXX whom I usually use always has the mileage number on the reservation site. Not XXXX. 

When talking to this another XXXX Representative about why my miles were not included in the new reservation I remarked that by the way my prior reservation was cancelled by XXXX and that they should look into that. " You have to take that reservation I was told '' by the XXXX Representative XXXX XXXX ''. " But I don't want that reservation '', I said, I have a NEW reservation XXXX. I was IMMEDIATELY CHARGED FOR THE PRIOR RESERVATION CANCELLED BY XXXX despite having a NEW reservation and stating that I no longer wanted the reservation that XXXX CANCELLED. I asked to be transferred to a Supervisor and was transferred to " XXXX  '' who stated that XXXX had made an error but I was still going to be charged for this reservation CANCELLED by XXXX and that I could get a credit from XXXX but NOT a refund on my card. I asked to speak to another XXXX Representative and got " XXXX '' who stated too bad, I could only get a XXXX XXXX '' not a refund. I never fly and would not be able to use a refund. I asked to speak to someone above " XXXX '' and was told " there is nobody above me ''. I was told my ticket was non-refundable but when I booked seats I signed up for the " fully refundable '' seats. I called Chase, the credit card the cancelled tickets were charged to and just received a bill stating that they would refund only {$24.00}. of the {$4900.00}. in ticket fees. This is a huge amount of money for me and XXXX apparently does this, giving credits and not a refund based on an article published in the XXXX in XXXX. Please help me get this money credited back to me. 
Thank you! 
D I asked to talk to a Supervisor and was

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
starting on XX/XX/scrub> 2024 I have tried several times to file dispute letters with Equifax credit bureau advising them of a fraudulent account that appears on my credit file that they maintain, which is XXXX XXXX XXXX XXXX XXXX. I have requested several times documents verifying the validity of the account. time stamps, contracts documents bearing my signatures etc. Equifax failed to provide any of these documents instead just responded with account was verified as account. still continuing to forward me any documents proven this account was verified. Please assist me in the violation this is a serious breach of federal law and privacy rights. I have attached only correspondence I've revied from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NH

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that 1 was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy Ihave never been late on payments for the account ( XXXX XXXXXXXX XXXX. ( XXXX. ( XXXX. ( XXXX. XXXX XXXX XXXX  XXXX. 
( XXXX  XXXX XXXX. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-03-25 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: PA

Complaint narrative:
I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>2024. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX : {$340.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXXXXXX 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 Balance : {$16000.00} XXXX  XXXX XXXX Balance : {$8900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$8900.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota financial failed to report my auto loan correctly to the credit bureaus. I dispute to all 3 bureaus and they didn't conduct a proper investigation. They also did not give me notice to attend the auction to purchase my vehicle back which is a violation of repossession laws. They also did not send a deficiency letter with the remaining balance, and when I called to receive it I disagree with the balance they said I owed before and after. They have been sued by the CFPB for not reporting to the credit bureau correctly causing customers harm and I am XXXX of those customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I am submitting this complaint because Credit Karma has failed to remove a disputed account from my dispute center, despite it being deleted from my credit report by XXXX over XXXX  days ago. The account in question is from XXXX XXXX ( XXXX ), with an outstanding balance of {$430.00}. 

Here are the details of the issue : Dispute Filed : XX/XX/year> Account Removed by XXXX : XX/XX/year> Current Date : XX/XX/year> Account Still in Dispute Status on Credit Karma : Despite XXXX confirming that the account has been deleted from my credit report, it remains marked as in dispute on Credit Karmas platform. I have reached out to Credit Karma over XXXX times in the last XXXX weeks, yet no one has been able to assist me in removing this outdated dispute. 
I have contacted XXXX more than XXXX times, and they have repeatedly confirmed that the account was deleted from my credit report. However, Credit Karma continues to show the account as in dispute, and no resolution has been provided by either Credit Karma or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports

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 2025-03-25 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I sent the below letter to Citi Bank after calling them and not getting help from their call center. 


Dear Citi, You closed my account abruptly on XX/XX/XXXX, however I had a bill pay that I made to XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$750.00}. XXXX has not received this. I have called customer service many times and they can't help. My prior account number with Citi ( checking ) was XXXX. Debit card ends in XXXX. Please advise.

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 2025-03-25 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: TX

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 2025-03-25 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: TX

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 2025-03-24 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Last month, I discovered a shocking issue on my credit report a {$320.00} reported balance with XXXX years of missed payments. I never received any notice or communication from XXXXXXXX XXXX regarding this matter. Years ago, I reported this card as fraudulent, and at that time, there was no indication of any outstanding debt. It wasnt until this past month that my credit report suddenly reflected XXXX years of delinquent payments. 

I never received any statements or notices in the mail, and as a single mother of a XXXX, Im devastated that something like this could have such a severe impact on my life. To think that a {$320.00} balance I had no knowledge of could potentially ruin my financial stability is overwhelming. I am urgently seeking help to resolve this issue before it causes further damage. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: OH

Complaint narrative:
Claim Number : XXXX was opened with NetSpend XXXX XXXX XXXX XXXX  on Claim Date : XX/XX/year> for UNAUTHORIZED CHARGES. Merchant that completed these UNAUTHORIZED transactions is : XXXX XXXX on eight ( 8 ) occasions on above mentioned account ( s ) Debit card XXXX resulting in the total amount of : {$180.00} UNAUTHORIZED AMOUNT ( XXXX ) AND DATES : XX/XX/year>XXXX  : {$14.00} XX/XX/year> : {$44.00} XX/XX/year> : {$26.00} XX/XX/year> : {$26.00} XX/XX/year> : {$26.00} XX/XX/year> : {$21.00} XX/XX/year> : {$26.00} XX/XX/year> : {$9.00}

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 explanation
Consumer complaint received 2025-03-25 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: NV

Complaint narrative:
Im very concerned to see inquiries from your company on my credit report that I never authorized. I have not applied for any accounts or services with you, and I do not understand why these inquiries were made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed {$7300.00} XXXX XXXX XXXX Balance Owed {$2900.00} XXXX XXXX XX/XX/year>

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 2025-03-25 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. These accounts are NOT related to any transaction completed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I asked that the medical collection be removed because of the XXXX XXXX signed rule that requires medical collections to be removed. Experian worked several weeks on my dispute and completed the dispute by simply reaching out to the 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