vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: PA

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 : From Experian, Transuinoin, and Equifax. 

XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$12000.00} XX/XX/XXXXXXXX XXXX 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 2025-08-16 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: PA

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 : From Experian, Transuinoin, and Equifax. 

XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$12000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
XXXX XXXX customer since 2022 and my credit isnt repaired

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint against Chase XXXX XXXX JPMorgan Chase Bank regarding unresolved issues with my Chase credit card and Chase XXXX services. 

XXXX. Baggage Fee Reimbursement ( {$410.00} ) In XX/XX/XXXX, I booked an international flight from XXXX to XXXX through Chase XXXX using my Chase credit card. 

Chase XXXX canceled my original XXXX segment, forcing me to purchase a separate XXXX ticket from XXXX to XXXX at my own expense. 

After multiple calls, Chase XXXX rebooked my flight but downgraded my ticket class, which reduced my checked baggage allowance from XXXX bags to XXXX. 

Due to this mistake, Chase XXXX promised to reimburse me for the additional baggage charges. I submitted my baggage fee receipt for {$410.00} on XX/XX/XXXX, and was told reimbursement would take approximately XXXX months. 

I also filed a formal complaint with Chase on XX/XX/XXXX regarding this reimbursement using CFPB. 

I moved to a new address in XX/XX/XXXX and immediately notified Chase of the change. Despite multiple follow-ups, Chase XXXX has repeatedly promised delivery of a reimbursement check ( first by XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX ), but I still have not received the payment. 

As of today, Chase XXXX has failed to provide the promised reimbursement despite clear documentation, repeated assurances, and a formal complaint already filed. 

XXXX. Missing Referral Bonuses ( XXXX points each ) I referred XXXX friends to apply for the same Chase credit card through my referral link. Both were approved. 

Chase advertises a referral bonus of XXXX points per approved referral. However, I never received the XXXX points that I am entitled to. 

Despite contacting Chase XXXX, the issue remains unresolved. 

XXXX. Impact I have spent significant time and effort ( at least XXXX calls and multiple escalations ) trying to resolve these issues. 

I have been deprived of {$410.00} in reimbursement and XXXX Chase points ( equivalent to {$300.00} ), both of which were promised to me in writing or by Chase representatives. 

These failures amount to poor customer service, misleading promises, and financial harm caused by Chase. 

Requested Resolution I respectfully request that Chase : Immediately issue the promised {$410.00} baggage reimbursement check to my correct address. 

Credit the XXXX referral bonus points ( XXXX points each for XXXX successful referrals ) to my account. 

Provide written confirmation of resolution and timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I submitted a formal dispute to TransUnion regarding multiple inaccurate and unverifiable accounts on my credit report. Following their verified response, I exercised my rights under FCRA 611 ( a ) ( 7 ) by sending a certified Method of Verification ( MOV ) request on XX/XX/year>. 

I specifically requested the names and contact information of the data furnishers, the procedure used to verify the information, and any documentation used during the reinvestigation ( such as contracts or payment history ). As of today, I have not received a response or any supporting documentation from TransUnion.

Despite receiving my MOV request, TransUnion continues to report the accounts as verified without explanation or proof. This violates my rights under FCRA 611 and 1681e ( b ), which require accurate reporting and full reinvestigation procedures. I am requesting that all disputed and unverifiable accounts be removed immediately. I have attached my certified mail receipt, MOV letter, and proof of identity.

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 2025-08-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was scammed out of XXXX  $ I sent all the proof to fraud claim department and was denied and I have proof

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 2025-08-16 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: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
numerous times i have tried to reopen a new checking account with this company and it lets me online stating an old balance is still showing and agree to pay any old balances off with funds from my new account. get my account number order debit card then a week later a manager from a local branch ive never met or had any dealings with closes the account with no explenatioin as to why

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 2025-08-16 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: MA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.XXXX XXXX XXXX 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 2025-08-16 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: FL

Complaint narrative:
Complaint Against : [ Credit Bureau : TransUnion ] [ Creditor XXXX XXXX ] Issue : Illegal re-aging and inaccurate reporting of a repossession account. 

Details of Complaint : I am filing this complaint because [ XXXX XXXX XXXX ] and [ TRANSUNION ] are reporting an auto repossession account that was closed years ago as if it is a newly opened account. This is an inaccurate and misleading representation of my credit history. 

The account in question was originally opened on [ XX/XX/year> ] and closed/charged off after the repossession on [ XXXX XXXX ]. However, it has been re-aged and is now showing as opened again on [ XXXX XXXX ], which is factually false and a violation of the Fair Credit Reporting Act ( FCRA ). 

Violations : FCRA 605 ( a ) : Prohibits reporting accounts beyond 7 years from the original delinquency date. Re-aging to extend reporting time is illegal.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate or misleading information to a credit bureau. 
FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

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 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I called Santander Consumer because I have a car loan with them. I've been going through a job transition and knew the payment wouldn't be on time ( XX/XX/XXXX ). I called them and they said to reschedule my payment online. I did with the new bank account and scheduled it for XX/XX/XXXX ( my pay day ). My pay dropped into my bank account at like XXXX XXXXXXXX XXXX The car payment was taken at XXXX XXXX time. Santander denied the payment and when I logged in there was a {$20.00} miscellaneous fee, another {$20.00} late fee ( understandable since payment was past due ), and fees to use other payment methods because they said I'm not allowed to use my bank account to pay my vehicle loan now. They tacked on a random fee and are forcing other fees due to not allowing me to make a payment through XXXX bank even though there was money in my bank account, but they still denied my payment. I've called customer service twice since this happened and the reps just give me run around, no straight answers for the miscellaneous fee and why Santander denied my payment even though money is in my bank account. The car already uses up my whole paycheck with a monstruous XXXX % and they continue to take whatever else they can. Who owns them, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/year>, Citi closed my XXXX XXXX XXXX XXXX  account without providing me with any prior notice. I have been a customer and actively using this card for over XXXX years. 

There are XXXX issues I would like to highlight : Account Closure Without Explanation : I was not given any reason as to why my account was closed, despite my long history of responsible use. 

Loss of Cash Back Rewards : I had accumulated a significant amount of cash back over the years but had almost never redeemed it. When Citi closed my account, all of my earned rewards were wiped out. 

Since the closure, I have reached out to Citi multiple times via phone to request an explanation and resolution, but so far no solution has been offered. 

I would like Citi to ( 1 ) provide a clear explanation for why my account was closed without notice, and ( 2 ) reinstate or return the cash back rewards I had rightfully earned.

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 2025-08-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and MarinerFin ( second entry ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and MarinerFin ( second entry ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a formal dispute to Experian regarding multiple inaccurate and unverifiable accounts on my credit report. Following their verified response, I exercised my rights under FCRA 611 ( a ) ( 7 ) by sending a certified Method of Verification ( MOV ) request on XX/XX/, 2025. 

I specifically requested the names and contact information of the data furnishers, the procedure used to verify the information, and any documentation used during the reinvestigation ( such as contracts or payment history ). As of today, I have not received a response or any supporting documentation from Experian.

Despite receiving my MOV request, Experian continues to report the accounts as verified without explanation or proof. This violates my rights under FCRA 611 and 1681e ( b ), which require accurate reporting and full reinvestigation procedures. I am requesting that all disputed and unverifiable accounts be removed immediately.

I have attached my certified mail receipt, MOV letter, and proof of identity.

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