vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
We ere notified of XXXX XXXX XXXX XXXX XXXX on XX/XX/year> due to air crew availability ( original flight XXXX XX/XX/year> ). Automatically rebooked on a much later flight ( XXXX XX/XX/year> ) to arrive the next day which removed us from our first class seating and placed in the back of plane. Priority line customer service ( useless ) and XXXX chats later, we were finally back on original flight to potentially make the original connection. Arrived in XXXX, missed connection by 9 min resulting in 24 hour delay to our destination and missed entire first day of paid all inclusive resort ( {$990.00} per itemized bill ). 
We did receive hotel accomodation and a total of 2- {$12.00} meal voucher ( myself and spouse ), Barely covering lunch : Shared 1 bag of chips and 1 boxed sandwich ; and did not cover dinner at hotel restaurant ( additional charge of {$84.00} ). 
The airline delay resulted in missed reservation and additional cost to us totally {$1000.00}. 
We have contacted the claims customer service multiple times in XXXX and XXXX, to be told the claim was denied. When asked additional reasoning, customer service said did not meet terms for interruption of trip. I went through terms and conditions that I received with my card, and told that representative I could not find that justification, she did an additional search on her end, to find NOTHING that justified their reasoning. She resubitted that claim, and opened an additional claim for the delayed trip protection, stating we should be receiving atleast one of them. The resubmitted claim was immediately denied without our awareness, and the delayed trip claim was additionally denied due to not meeting criteria of which I spoke with customer service again today XX/XX/year>. That criteria being the flight that caused the missed connection was not delayed more than 6 hours. I then asked so basically because we did not take the rescheduled flight in attempted to catch the original connection, we are punished because the original flight was not delayed 6 hours. 
As part of the AXXXX XXXX XXXX XXXX, the travel protection is a card benefit, we receive XXXX benefit of this rather a bait and switch of service.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I asked for written communication from them to provide correct information and for it to be deleted because it is neither accurate or consistent and I asked them to remove it from my credit profile and they have not done so.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: IN

Complaint narrative:
Back in XXXX i bought what i was informed was a real XXXX XXXX XXXXXXXX XXXX along with a few XXXX XXXX  but when the packages got here it was just the XXXX XXXX  that i bought. The XXXX XXXX, In other words THE ENTIRE OTHER HALF OF MY ORDER, was missing then when i went to connect the ones that got here they were XXXXXXXX XXXX  that require some poorly put together XXXX third party app THAT DOESNT EVEN SPELL AFTERNOON RIGHT. Then XX/XX/XXXX they say my claim was denied??? AND I DIDNT RECIEVE THE LETTER UNTIL THE XXXX WHICH WAS THE SAME DAY THEY WERE GON NA TAKE THE CREDITS BACK. After i noticed i got XXXX XXXX OUT OF XXXX DOLLARS i tried calling the bank they said they couldnt do anything, sent me to disputes, got told the same thing. And that i need to contact the merchant directly WHEN I CANT DO THAT BC THEY DELETED MY ACCOUNT WHICH WAS THE ONLY REASON I EVEN FILED THE DISPUTE IN THE FIRST PLACE IT WASNT BECAUSE OF QUALITY IT WAS BECAUSE I GOT SCAMMED I called fraud where they then reopened the case BUT THEY SAID IT COULD TAKE 15 BUSSINESS DAYS AND EVERT PASSING DAY IM IN THE NEGATIVES I HAVE TO PAY THEM ANOTHER XXXX DOLLARS SO XXXX XXXX XXXX XXXX XXXX XXXX IF I HAVE TO PAY THE XXXX I ALREADY PAID TO THE SCAMMER ON TOP OF XXXX SAYS WORTH OF XXXX DOLLARS DAILY OVERDRAFT CHARGES. NEVER. AND I MEAN NEVER. N E V E R. BANK WITH KEYBANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NJ

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-07-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent
information across the three credit bureaus. 

Account : XXXX XXXX Account number : XXXX Reported inconsistencies among all bureaus as follows : Date opened XX/XX/year> vs XX/XX/year> High credit {$820.00} vs {$730.00} Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

Provide documentation of the verification method used.

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX  Account number : XXXX Inconsistencies reported among all reporting bureaus as follows : Date opened XX/XX/year> vs XX/XX/year> High credit Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
b'Account name\nTRUIST BANK\nAccount numberXXXXAccount type\nAuto Loan\nResponsibility\nDate openedXXXX\nJoint\n\nTHIS IS ACCOUNT IS NOT MINES AND I AN A VICTIM OF IDENTITY THEFT. PLEASE CLOSE AND REMOVE THIS fraudulent ACCOUNT FROM XXXX XXXX XXXX XXXX  WITH THIS IDENTITY THEFT ACCOUNT'

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 2025-07-26 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: TX

Complaint narrative:
On XX/XX/year> Experian was notified that I am a victim of identity theft. Experian has allowed the re- insertion of a fraudulent account reported by XXXX XXXX XXXX. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. My personal information has been compromised through Equifax data breach, XXXX data breach, and XXXX XXXX  XXXX. In respect to 15 USC 1681i the fraudulent tradeline reported by XXXX XXXX XXXX needs to be removed as this account is not mine and I am certain that the creditor has not successfully nor accurately proved that I benefited from this account. 

Please REMOVE and BLOCK this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. The fraudulent credit card accounts appearing on my Experian credit report are as follows : XXXX XXXX. Collections I do not owe : XXXX XXXX XXXX in the amount of {$250.00}. My FTC report is attached. In addition, recently Experian allowed the re - insertion of a fraudulent account reported by XXXX that was indeed fraudulent. XXXX recently deleted the fraudulent reporting on their own after Experian allowed it to be re -inserted.

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 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
Unverifiable debt ; demand for strict proof of debt 's validity, including original contract/agreement, detailed ledger from original creditor, and irrefutable proof of legal authorization to collect. The debt is not mine and is not owned period, this was already discussed with the leasing office, office had hired mutiple people and lost track of conversations and recoreds within a short period of time this is not a valid debt at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not 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 2025-07-26 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:
I am writing to formally demand the immediate deletion of fraudulent and erroneous information on my credit report in accordance with XXXX  U.S.C. XXXX. This is a serious matter, and I expect prompt action on your part. I have already filed a Police Report and an FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ), which I have included as evidence supporting my claim of identity theft. As outlined in XXXX  U.S.C. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally obligated to block any information flagged by the consumer as the result of identity theft within XXXX  business days. The following accounts were opened without my consent and are entirely fraudulent. These must be blocked immediately : XXXX XXXX XXXX  Account ( Account Number : XXXX ) XXXX XXXX  Account ( Account Number : XXXX ) These fraudulent accounts have led to the appearance of additional erroneous items on my credit report. I have attached a detailed list of these fraudulent accounts, along with a copy of my XXXX  credit report maintained by your agency, which shows these incorrect entries. Let me be clear : I do not recognize the accounts or collections listed on my report, nor did I authorize or initiate any of them. All of the accounts and collections mentioned above are the direct result of identity theft and fraud. I have already filed a criminal complaint with the FTC ( FTC Identity Theft Criminal Complaint # XXXX ), and I expect you to take immediate

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 2025-07-26 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: FL

Complaint narrative:
I am writing to formally demand the immediate deletion of fraudulent and erroneous information on my credit report in accordance with XXXX  U.S.C. XXXX. This is a serious matter, and I expect prompt action on your part. I have already filed a Police Report and an FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ), which I have included as evidence supporting my claim of identity theft. As outlined in XXXX  U.S.C. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally obligated to block any information flagged by the consumer as the result of identity theft within XXXX  business days. The following accounts were opened without my consent and are entirely fraudulent. These must be blocked immediately : XXXX XXXX XXXX  Account ( Account Number : XXXX ) XXXX XXXX  Account ( Account Number : XXXX ) These fraudulent accounts have led to the appearance of additional erroneous items on my credit report. I have attached a detailed list of these fraudulent accounts, along with a copy of my XXXX  credit report maintained by your agency, which shows these incorrect entries. Let me be clear : I do not recognize the accounts or collections listed on my report, nor did I authorize or initiate any of them. All of the accounts and collections mentioned above are the direct result of identity theft and fraud. I have already filed a criminal complaint with the FTC ( FTC Identity Theft Criminal Complaint # XXXX ), and I expect you to take immediate

Company response to consumer: Closed with explanation