vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statemen
t of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statemen
t of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I applied for the JetBlue XXXX Card on XX/XX/year>, and was approved on XX/XX/year> ( last 4 digits : XXXX ). The promotion at the time offered XXXX bonus points after spending {$1000.00} in the first 90 days. 

Before receiving my card, I contacted JetBlue about a last-minute trip ( confirmation # XXXX  ). A JetBlue representative advised me to book the flight with another card and, once my JetBlue XXXX XXXX arrived, to call back and transfer the amount so it would count toward the spend requirement. 

At no time was I told that the flight must be a future/ongoing flight to qualify. Had I been told this, I would have booked differently. I followed JetBlues instructions exactly, but when I attempted to transfer the charge, I was told it could not be counted because the flight had already been flown. 

JetBlue has confirmed that they added notes to my XXXX account ( # XXXX ) and reservation documenting this. 

This denial is the direct result of incorrect guidance from JetBlue, Barclays promotional partner. I am requesting that Barclays honor the XXXX bonus points or, if that is not possible, issue an equivalent statement credit ( approximately {$750.00} {$900.00} ) as a service recovery.

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 2025-08-11 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never applied for, opened, or managed them. This is entirely unacceptable, as it results in false and misleading information being reflected in my financial history. 

I take the accuracy of my credit profile extremely seriously, and the presence of these unauthorized accounts is of great concern.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing a formal complaint against Capital One regarding a serious and unjustified reversal of payments on my credit card account. I had paid the account down to a XXXX balance, and was expecting to see a credit on my account. Instead, the company reinstated all previously paid charges, resulting in a balance that is both inaccurate and financially damaging. 

Summary of the Issue : - I paid my credit card balance in full, and my account reflected a XXXX balance. 
- Without explanation, the company re-added all previous charges, reversing my payments and creating a balance that I do not owe. 
- The amount they now claim I owe is exactly what I should have as a credit. 
- I received no notification, justification, or breakdown of this reversal. 
- This action appears to be predatory, misleading, and a violation of fair billing practices. 

Impact : - This has caused significant financial stress and confusion. 
- I am concerned about potential negative credit reporting resulting from this error. 
- I have attempted to resolve the issue directly with the company, but have received no satisfactory explanation or correction. 

Request for CFPB XXXX : - Investigate the billing practices of Capital one related to this account. 
- Ensure that the company provides a full accounting of charges, payments, and reversals. 
- Require the company to correct the balance and reflect the accurate credit on my account. 
- Prevent any negative credit reporting while this dispute is under review. 

I respectfully request your assistance in resolving this matter and holding the company accountable for its actions. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX account was added to my credit report as of XXXX XXXX XXXX. I called the company and they advised that this account is from a past due phone bill. representative advised this account is 7 years old and I never had this account on my credit report, I actually paid XXXX  recently in 3 years to clear out my credit. I believe this is fraud. please remove from my credit report immediately if you can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
XXXX  data breach my credit report was exposed. 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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are unjust and illegal.

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 2025-08-11 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:
INACCURATE INFORMATION IS POSTED IN MY CREDIT REPORT. THEY WERE NOT OPENED BY ME IT BELONGS TO SOMEONE ELSE WITH A SIMILAR NAME. IT IS NOT MINE. I WANT IT DELETED XXXX XXXX XXXX {$100.00} ACCOUNT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I HAVE UNDERLINED THE DELINQUENCIES ACCORDING TO ALL 3 CREDIT REPORTS. CREDIT REPORTS DO NOT CORRESPOND WITH EACH OTHER. THIS INFORMATION IS INACCURATE. AS SUCH, I WANT IT DELETED

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 2025-08-11 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: TX

Complaint narrative:
INACCURATE INFORMATION IS POSTED IN MY CREDIT REPORT. THEY WERE NOT OPENED BY ME IT BELONGS TO SOMEONE ELSE WITH A SIMILAR NAME. IT IS NOT MINE. I WANT IT DELETED XXXX XXXX XXXX {$100.00} ACCOUNT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I HAVE UNDERLINED THE DELINQUENCIES ACCORDING TO ALL 3 CREDIT REPORTS. CREDIT REPORTS DO NOT CORRESPOND WITH EACH OTHER. THIS INFORMATION IS INACCURATE. AS SUCH, I WANT IT DELETED

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 2025-08-11 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I got a message that my card was blocked so I could not use it. I was referred to XXXX XXXX who told me that I could not access my information. XXXX of them never returned the calls. The last XXXX asked me my birth day then asked me how old I was. I was always watched and when I go to the branch they created a scene several times. Its disturbing how they behaved. Every dime I put in my account I worked for it. They put something against my name., Thats why I get treated like that. Its stem from a nasty rumor when they discriminated against me that never stop. No one should have to undergo such level of humiliation. Sometimes I go to the bank two to three people looking at my account at the same time. I need to live a normal life like everyone else. This is a behavior thats ongoing for years. When they discriminated against me I became subject to all these invasion of privacy all because of lies people accused me of. Am not a child and to get by they infiltrated peoples mind with all the wrong information. From the year 1999 this has been going on. The motive behind this behavior is racially motivated., it is malicious and vicious. I want to be left alone. Its disgusting and I find their behavior very disturbing. I complained to the XXXX and they only protected the wrong doers I have experienced where more than XXXX bank teller created a scene and made big outburst of laughter. Simply because they dont care. They know who they have protecting them. For years I have been asking for help and those who should help only become part of the problem. They undermine my problems and treat it as nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 a victim of identity theft, and multiple unauthorized credit inquiries have been made without my consent. These inquiries are causing harm to my credit profile and were not initiated by me. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and am disputing these inquiries under my rights granted by the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Inquiries : - TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Equifax : XXXX XXXX XXXX XXXX XXXX XXXX  - Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax : XXXX XXXX XXXX XXXX XXXX XXXX  Violations : - * * FCRA 1681b * * : A consumer reporting agency may only furnish a consumer report for a permissible purpose. These inquiries were not authorized and do not meet the permissible purpose requirement.

- * * FCRA 1681i * * : Requires a reasonable reinvestigation of disputed information within 30 days.

- * * FCRA 1681c-2 * * : Requires blocking of information resulting from identity theft within 4 business days upon receiving proof. 
- * * 15 U.S.C. 1681n & 1681o * * : Establish civil liability for willful or negligent noncompliance with the FCRA.

Resolution Requested : I am requesting the * * immediate and permanent removal * * of the above-listed unauthorized inquiries from all of my credit reports with Equifax, XXXX, and TransUnion. I also request confirmation in writing that these inquiries have been removed, and that my file is flagged to prevent future unauthorized access without proper verification. 

Attachments : - FTC Identity Theft Report This matter is urgent, and I request resolution without delay to prevent any further harm to my credit and financial standing. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: MO

Complaint narrative:
This account was closed and they sent out my credit builder balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : I am filing a complaint regarding Chase Banks decision to close my checking account and all of my credit card accounts without providing me with a clear or specific reason.

I have been a loyal Chase customer for over 10 years, maintaining both deposit and credit accounts in good standing. Recently, I received a notice from Chase stating that my checking account and all my credit card accounts will be closed. However, the notice did not explain the reason for this decision, nor did Chase provide any clarification upon my inquiry. 

In addition to the lack of transparency, Chase has refused my request to reverse the annual fees charged on my credit cards, despite the accounts being forcibly closed shortly after these charges were billed : Credit card ending in XXXX {$550.00} annual fee and {$75.00} authorized user fee, billed in XX/XX/year>. 

Credit card ending in XXXX {$95.00} annual fee, billed in XX/XX/year>. 

I believe it is unreasonable and unfair to retain these annual fees when the accounts will no longer be usable for the period they were intended to cover. 

I respectfully request the following : That Chase reconsider and allow me to keep my accounts open, given my long-standing and responsible relationship with the bank. 

If account closure is unavoidable, that Chase issue a full refund of all annual fees recently charged to my closed accounts. 

I am requesting the CFPBs assistance in obtaining a clear explanation from Chase regarding the reasons for the closures, and in ensuring fair treatment in connection with the annual fees. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation