vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I initiated a reward transfer of XXXX Chase ultimate rewards points to XXXX XXXX under their 25 % bonus offer on XX/XX/year>. Upon logging into my XXXX XXXX rewards account I am able to see my the points I had transferred over from Chase, but am not seeing the bonus points I was supposed to receive after initiating a transfer. I contact Chase immediately and they tell me that XXXX XXXX is responsible for depositing those bonus points into my account. This is the start of a wild goose chase where I am going back and forth between Chase and XXXX XXXX with neither taking accountability or responsibility for who is responsible for depositing the bonus points into my account. I called both sides twice where I spent over XXXX hours on the line with no resolution. Chase keeps saying that they have done everything on their end and that it is XXXX XXXX that must transfer the points. It is even stated on the promotional information that if there are any issues to contact XXXX XXXX. I transferred over these points with the intention of booking flights for me and the rest of my family and with how quickly reward flights disappear I want to see the points into my account as soon as possible. I have transferred points in the past that have included a bonus transfer and have always seen the points in my account immediately. I thought that this time around it would not be any different.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-21 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate personal information that appears on my credit reports from the three major credit bureaus. The reports list multiple outdated addresses and employers that are not and have never been associated with me. These inaccuracies create a false and potentially misleading profile that could suggest suspicious activity or fraud to potential creditors. 

On XX/XX/XXXX XXXX XXXX I submitted a written request to each credit bureau ( Equifax, Experian, and TransUnion ) demanding correction under the Fair Credit Reporting Act ( FCRA ). I requested the removal of all prior addresses and incorrect employment history, and I provided them with my correct identifying information and documentation as outlined by FCRA 609 ( c ) ( 2 ) ( E ) and 611 ( a ). 

These errors are not only factually incorrect but also violate my rights under the FCRA and the Credit Repair Organizations Act ( CROA ) and contradict Metro 2 reporting standards. I referenced Metro 2 base segment fields that should reflect my correct legal name, date of birth, address, and employer, yet the reports continue to contain false entries. These issues compromise my credit profile and may negatively affect my ability to obtain fair credit. 

I respectfully request the CFPBs assistance in ensuring these credit bureaus conduct a reinvestigation within 30 days and permanently delete the inaccurate entries as required by law. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate personal information that appears on my credit reports from the three major credit bureaus. The reports list multiple outdated addresses and employers that are not and have never been associated with me. These inaccuracies create a false and potentially misleading profile that could suggest suspicious activity or fraud to potential creditors. 

On XX/XX/XXXX XXXX XXXX I submitted a written request to each credit bureau ( Equifax, Experian, and TransUnion ) demanding correction under the Fair Credit Reporting Act ( FCRA ). I requested the removal of all prior addresses and incorrect employment history, and I provided them with my correct identifying information and documentation as outlined by FCRA 609 ( c ) ( 2 ) ( E ) and 611 ( a ). 

These errors are not only factually incorrect but also violate my rights under the FCRA and the Credit Repair Organizations Act ( CROA ) and contradict Metro 2 reporting standards. I referenced Metro 2 base segment fields that should reflect my correct legal name, date of birth, address, and employer, yet the reports continue to contain false entries. These issues compromise my credit profile and may negatively affect my ability to obtain fair credit. 

I respectfully request the CFPBs assistance in ensuring these credit bureaus conduct a reinvestigation within 30 days and permanently delete the inaccurate entries as required by law. 

Thank 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
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Complaint Follow-Up to Prior Unresolved Dispute Over 30 days ago, I submitted a formal credit dispute under the Fair Credit Reporting Act ( FCRA ), and subsequently escalated the matter through the CFPB due to non-response from the credit bureaus. To date, no action has been takenno corrections, no deletions, and no evidence provided to validate the disputed accounts. 

This continued inaction is a direct violation of FCRA 1681i, which requires credit reporting agencies to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. 

Despite my clear documentation and request for validation, the credit bureaus have failed to comply. The accounts in question remain on my credit report without proper investigation, verification, or removal, causing ongoing harm to my credit profile. 

This lack of compliance signals willful negligence and a disregard for federally mandated procedures. I am now filing a second CFPB complaint to demand : Immediate deletion of any unverified or inaccurate accounts, Full documentation proving the accuracy and legitimacy of the accounts still being reported, A written explanation for the failure to act on my previous dispute. 

Should this matter continue to be ignored, I am prepared to escalate the issue further, including formal complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies under consumer protection laws. 

I respectfully request swift action and a written resolution that confirms compliance with the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Complaint Follow-Up to Prior Unresolved Dispute Over 30 days ago, I submitted a formal credit dispute under the Fair Credit Reporting Act ( FCRA ), and subsequently escalated the matter through the CFPB due to non-response from the credit bureaus. To date, no action has been takenno corrections, no deletions, and no evidence provided to validate the disputed accounts. 

This continued inaction is a direct violation of FCRA 1681i, which requires credit reporting agencies to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. 

Despite my clear documentation and request for validation, the credit bureaus have failed to comply. The accounts in question remain on my credit report without proper investigation, verification, or removal, causing ongoing harm to my credit profile. 

This lack of compliance signals willful negligence and a disregard for federally mandated procedures. I am now filing a second CFPB complaint to demand : Immediate deletion of any unverified or inaccurate accounts, Full documentation proving the accuracy and legitimacy of the accounts still being reported, A written explanation for the failure to act on my previous dispute. 

Should this matter continue to be ignored, I am prepared to escalate the issue further, including formal complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies under consumer protection laws. 

I respectfully request swift action and a written resolution that confirms compliance with the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
A used XXXX XXXX XXXX was sold to me the original sticker price was {$10000.00} dollars when I got the car I owed {$17000.00} dollars I deposit {$3500.00} dollars down and was paying {$450.00} a month. When I paid my last payment in XXXX XXXX years later and asked for my title they told me credit acceptance company a company I had no idea I was dealing with that I owed for XXXX more years. They said the car was {$17000.00} and that I owed {$34000.00} when the car was sold to me in XXXXXXXX XXXX XXXX. I told them that was impossible and thats not what me and the dealership agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
These accounts are unused and unrelated to me currently. The accounts included XXXX, XXXX and 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 non-monetary relief
Consumer complaint received 2025-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
These accounts are unused and unrelated to me currently. The accounts included capital/saks, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My Capital One account ending in XXXX was recently closed without notice or warning and flagged for inconsistent activity. I was only issued a virtual card and made four small, legitimate transactions. I never received a physical card ( I was expecting the physical card on XX/XX/XXXX or XXXX due to the holiday ) and was never contacted to verify any activity or explain the use of the account. 

I called Capital One and was told the account was permanently closed and can not be reinstated. However, the mobile app still shows the account as restricted with a balance of {$120.00}. I was not informed of any fraud or misuse and was not given an opportunity to resolve whatever concern they had before they closed the account.

I want to be transparent that I previously had a Capital One account that was charged off, but it was later fully settled. I understand that may be a factor in their internal review. However, I opened this new account in good faith, used it responsibly, and had no fraudulent or abusive behavior. This account should have been evaluated based on its own merit.

I am requesting that Capital One : Review the closure decision Remove any fraud or inconsistent activity flags from my profile Confirm that no negative or inaccurate information has been or will be reported to credit bureaus Reconsider reinstating the account if possible I believe this situation has been handled unfairly and prematurely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 


Please remove the following items from my credit report, immediately : Transunion 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I set up a savings account and funded it with a transfer from my credit union checking account on XX/XX/XXXXXXXX 
XX/XX/XXXX $ XXXX ACH BARCLAYS BANK DE, COLLECTION Likewise, I wanted to be able to make transfers directly from my credit union savings account, so I put in the savings information to make that request. I received the attached notice on XX/XX/XXXX and responded that same day with a photocopy of my drivers license ( front and back ) and my most recent bank statement. 

A freeze was put on my online access, which I was not told would happen, and I have not been able to access either my savings funds or my credit card transactions since. I have written back and ask that they stop processing the request and been told that until I send the right information, they will not release the holds. I have asked to speak with a supervisor and the banking analyst, with no response. I just want now to be able to close my accounts with Barclays. I already opened two other savings accounts and will not require their services any further.

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 2025-05-21 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: Continental Finance Company, LLC
State: TN

Complaint narrative:
I have acocunt for celtic bank/XXXX account number XXXX i have disputed this account multiple times but theyn fail to investigate the account and the relevant documents. but instead of doing their job they are apparently just commenting that my dispute is was updated from the previois date of the last dispute that was also incorrectly managed. now just about 8 years later from causing issues on my credit report for this entire time. they still refuse to accurately update my report. as per the law reporting companies are required to follow " reasonable procedures to assure maximum possible accuracy '' of the information. but now its finally reached statute of limitations and i need this account as well as the other account thats the same account thats been riding on my credit inaccurately for XXXX yeras now to pleasse be removed too its XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
please remove both of these accounts today they have caused me more than enough burden.

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 2025-05-21 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: CA

Complaint narrative:
I am filing this complaint because I am a verified victim of identity theft. I submitted an official Affidavit of Identity Theft to the credit reporting agencies ( Equifax, Experian, and TransUnion ), disputing several fraudulent accounts and addresses that were opened in my name without my knowledge or consent. 

Despite my affidavit and supporting documentation ( including proof of ID and residency ), the credit bureaus have continued to report inaccurate and unauthorized information. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which requires credit bureaus to promptly investigate and remove unverifiable or incorrect information.

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 2025-05-21 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 filing this complaint because I am a verified victim of identity theft. I submitted an official Affidavit of Identity Theft to the credit reporting agencies ( Equifax, Experian, and TransUnion ), disputing several fraudulent accounts and addresses that were opened in my name without my knowledge or consent. 

Despite my affidavit and supporting documentation ( including proof of ID and residency ), the credit bureaus have continued to report inaccurate and unauthorized information. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which requires credit bureaus to promptly investigate and remove unverifiable or incorrect information.

Company response to consumer: Closed with non-monetary relief