vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I booked a reservation online for the XXXX XXXX resort on their website on XX/XX/XXXX. My JetBlue Mastercard was charged and the transaction posted on XX/XX/XXXX. When I arrived to the hotel on XX/XX/XXXX the hotel said they did not receive the payment but was able to locate my reservation. I was told to pay again on site at the hotel, I did not have enough money on my JetBlue Mastercard, so I payed with my XXXX credit card and td bank debit card. After my stay the initial payment on the website was never refunded and I disputed the transaction with JetBlue Mastercard. They claimed that the merchants name on the website and the merchants name for the hotel payment did not match so they can not move forward with a dispute. It is not my fault that the hotel has two different merchant names for the website and instore payment terminal. JetBlue did not attempt to investigate the issue and try resolve the issue which was that I was charged for a service or product that I did not receive. I have attached proof of the initial payment from the JetBlue card and the two payments that I made at the hotel with my td bank debit card and discover credit card. The JetBlue payment is {$1500.00} and the merchant is XXXX XXXX XXXX. The discover charge is {$1200.00} merchant name is XXXX XXXX. The td bank payment is {$380.00} and the merchant name is XXXX XXXX. To make my issue clear, I was charged for a product I did not recieve because the hotel said they did not recieve my payment. And the JetBlue credit card company did not look into the matter and refused to dispute the payment. I have already contacted the hotel and they said they have no way to resolve the issue, that I should contact the credit card company but the credit card company is not helping me either.

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 2025-11-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 explanation
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I purchased an activity ticket from XXXX on [ insert date ] for {$140.00}. When I arrived at the attraction, the QR code would not scan, and the staff informed me that XXXX is not an authorized reseller. I was denied entry and forced to purchase a second ticket directly from a legitimate provider to participate in the activity. 

I filed a dispute with American Express ( Dispute ID : XXXX ) and provided substantial evidence, including emails from XXXX admitting their supplier caused the issue, confirmation from the attraction that XXXX tickets are not accepted, photos showing the XXXX XXXX failure, and proof of my second ticket purchase. 

Despite this, American Express closed the dispute in favor of the merchant, citing only the merchants claim that the QR code is scannable and stating they could not influence the merchant. They rebilled the charge to my account without conducting a reasonable investigation or addressing the evidence I provided. 

This left me with both financial loss and no resolution, even though I never received the service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Balance : {$1000.00} - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX - Balance : {$32000.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$4400.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$2400.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$670.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$380.00} - Date Opened : XX/XX/XXXX XXXXL XXXX # XXXX - Balance : {$190.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-29 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I am filing this complaint regarding APPLE CARD issued by Goldman Sachs Bank USA, which is reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. After reviewing my credit file, I identified the APPLE CARD/GS BANK USA tradeline as materially incomplete and lacking verified documentation, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). I am requesting a full investigation and correction of this entry, including deletion of any information that can not be substantiated with proper evidence. 

The APPLE CARD account ( XXXX, opened XX/XX/year>, reported balance {$5400.00} ) is being reported as a charge-off ; however, the furnisher has not provided any itemized monthly payment history to support the accuracy of this status. This constitutes a material omission under FCRA 607 ( b ), which requires consumer reporting information to be complete and accurate. Additionally, I never received a charge-off notice, which is required under FCRA 623 ( a ) ( 7 ), meaning that the reporting party failed to provide proper adverse action notification. 

Furthermore, the lack of full monthly data, missing charge-off details, and absence of proper documentation make this tradeline unverifiable under FCRA 611 ( a ). XXXX XXXX standards require complete payment history and accurate coding for derogatory events such as charge-offs ; however, the reported information does not meet these requirements. 

Under FCRA 611 ( a ) ( 5 ), any information that can not be verified must be deleted. If Goldman Sachs Bank USA chooses to verify this account, they must provide documented proof of the investigation, including the source of verification, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Continuing to report unverifiable derogatory information harms my credit standing and creates an inaccurate representation of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
On XX/XX/year>, I sent certified debt validation and reinvestigation letters to Experian, Equifax, and TransUnion, as well as to the collection agencies and furnishers listed below, requesting full documentation to verify several accounts appearing on my credit report. The debts in question are : XXXX XXXX XXXX {$960.00} ( no original creditor information listed ) XXXX XXXX {$1300.00} ( no account number provided ) XXXXXXXX XXXX  {$1500.00} ( no account number provided ) XXXXXXXX XXXX {$1700.00} ( no account number provided ) XXXX XXXX XXXX {$12000.00} Each certified letter included a formal request for : The name, address, and account number of the original creditor ; A copy of the signed agreement or application bearing my signature ; Proof of assignment or ownership granting the collector the right to collect ; Documentation confirming the collector is licensed and authorized to collect debts in Georgia ; A full accounting history showing how each amount was calculated.

Despite these lawful requests under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), neither the credit bureaus nor the collection companies have provided any validation or supporting documentation. The accounts continue to appear as verified on my credit report without any evidence that the information has been substantiated.

Violation and Consumer Harm : The bureaus failure to investigate and validate these accounts constitutes a violation of FCRA 611 ( a ), which requires reinvestigation of disputed information, and the collectors non-response violates FDCPA 809 ( b ), which mandates that all collection activity must cease until the debt is validated.

The continued reporting of these unverified debts has damaged my credit reputation and interfered with my ability to obtain credit, housing, and fair financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I opened an account on BMO Banking because they had a promotion for new accounts and was having my direct deposit there. Then, since Wednesday, I was unable to access my account and called customer service today since I found it concerning. The rep said it was because they closed my account and they were unable to provide a valid reason for the account closure. I want to alert people to not have business with this company since they closed to not pay out the bonus.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
Was their a direct deposit made to my account today XXXX if so how much and for and what business name was it for and XXXX or the next follow day XXXX and how much was it for and what is the business name it was for. 
My name XXXX XXXX and this complaint is for my mom as well XXXX XXXX we both need our portal account login to be deactivated and deleted and deleted out the system so we cant login no more and fully unenroll out the system and unsubscribe from getting emails our email is XXXX and email is XXXX and XXXX is XXXX for me and her username is XXXX and our XXXX is XXXX for me and birthday is XXXX and her is XXXX XXXX and birthday is XXXX and send me the left over amounts we have in our checking and saving check by a check by mail to XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX and also unsubscribe us from getting text messages to line number XXXX and line number XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 explanation
Consumer complaint received 2025-11-29 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: OH

Complaint narrative:
I am filing this CFPB complaint to report multiple inaccurate and unlawfully reported items that must be removed under the Fair Credit Reporting Act. The late closed XXXX XXXX XXXX accounts ( XXXXXX/XX/XXXX), each showing a {$0.00} balance, continue to report across Experian, Equifax, and TransUnion in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as this information is inaccurate and not maintained to the standard of maximum accuracy. The Affirm Inc MP6FJI * * charge-off reporting a {$0.00} balance in Experian also violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 605B / 15 U.S.C. 1681c-2 because it remains on my report despite being unverifiable. Furthermore, the inquiries from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without a permissible purpose, violating FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and therefore must be removed as unauthorized access to my consumer 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 explanation
Consumer complaint received 2025-11-29 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-29 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 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 non-monetary relief