vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I called chase to explore upgrading my Chase Sapphire XXXX  card to a Reserve card to take advantage of the enhanced travel redemption of {$0.00} cents per point in their travel portal. As a XXXX cardholder my rate was {$0.00}. Based on the number of points I planned to redeem on an upcoming trip, the enhancement would pay for most of the hefty annual fee on the XXXX card. The agent that helped me confirmed the redemption rate of {$0.00} on the XXXX card at the time of the upgrade. 

It turns out this was incorrect information. The product had changed in XXXX. When I saw in the app that the travel redemption rate had actually DECREASED to {$0.00} rather than INCREASING to {$0.00} ( as the agent said it would ) I was shocked and troubled. I immediately called Chase- on the same day - and asked them to cancel the upgrade. To put me back where I was. So that I could book my travel at the redemption rate I had that morning. They said no problem and they initiated a reversal. 

Subsequently, I have talked to several agents on across multiple days- on XX/XX/year> and XX/XX/year> in XXXX member benefits. One of them did not know about about the product change that occurred in XXXX ( XXXX ), which is the exact misinformation that was confirmed to me that started this whole mess. I also escalated the issue and filed a complaint. When I asked what the outcome of filing a complaint would be I was not given a clear answer. It was explained to me that, even if it doesnt make logical sense, their technical system views my XXXX card as a new product - not grandfathered even though I have held the card for more than a year. I also asked Cardmember benefits for help. They were nice but not able to help. 

So the end result is that I upgraded my card based on incorrect information, cancelled the upgrade ( after discovering I had received incorrect information ) and asked that my card be returned to a XXXX card with it prior benefits, and have instead had my grandfathered status stripped and treated like Im a brand new customer. I went ahead and booked my travel as my trip is upcoming and I can not continue to bear the risk that airfare continues to climb. Redeeming XXXX points at {$0.00} rather than {$0.00} cost me {$610.00}. I believe Chase is responsible for this and should reimburse me. But their internal system constraints and the run-around they give customers who escalate and complain make it impossible. Which is why Ive issue my complaint here. 

The end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I just checked my credit report this morning and saw unauthorized inquiries that should not be there. I dont understand why these discrepancies appeared out of nowhere, and its extremely frustrating. I even refreshed my browser thinking it was a glitch, but the inquiries were still there. I need the documents Ive submitted to be reviewed thoroughly so this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Date XXXXXXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-04 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: GA

Complaint narrative:
CRA is listing accounts that are inaccurate and unverifiable. company has caused me personal and professional harm by not properly reporting accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CA

Complaint narrative:
Received a XXXX XXXX  card on XX/XX/year> for Chime. I had never even heard of this company before. When I tried to call Chime about said card, customer service rep asked for last XXXX SSN which I was not comfortable with giving as I shouldnt even have any information with them in the first place. Looked online and saw that this has happened to others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: MD

Complaint narrative:
I contacted this company Consumer Adjustments asking about this amount of {$2500.00} that they played on my credit report. I also asked, Where they the original debtor, he became agitated. I asked him if he could provide me with the contract that I supposedly signed with this company Consumer Adjustments? I asked for validation again and proof they own the debt? Again still agitated because I am asking him questions. It was removed off of my report temporarily then placed back on my report with another date. He stated, I made a payment how did I make the payment, never answered, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  claims that they have been reporting to equifax but that equifax has not been reporting my XXXX XXXX XXXX XXXX  on my credit report. I have sent by mail on XX/XX/XXXX equifax a copy of my id and a copy of my XXXX XXXX XXXX XXXX  which displays my full name on the statement, my addresss and the account number of the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-04 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:
Experian is reporting unauthorized and unverifiable data linked to the documented XXXX  data breach, including an inquiry that was made without my knowledge or consent. 

Unauthorized Inquiry : XXXX XXXX XXXX ( XX/XX/XXXX ) is listed as a hard inquiry on my report. I never applied for credit with this entity, never authorized the inquiry, and no permissible purpose under FCRA 1681b has been provided.

This qualifies as an unauthorized access, potentially identity theft under FCRA 1681c-2.

Experian has not produced any original documentation, signed authorization, or contractual basis for reporting this inquiry. 

Broader Issues : Experian continues to report unverifiable data despite the XXXX  breach exposing my PII. 

Reliance on automated dispute systems ( e-OSCAR ) instead of a live compliance review violates XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), which requires a reasonable and independent reinvestigation. 

Outdated addresses, alternate names, and unverifiable employment information are still being reported, which violates FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681a ( 4 ) ( privacy protections ).

These inaccuracies are damaging my financial reputation, lowering my credit score, and increasing my risk of future identity 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 2025-09-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A collection account from National Credit Systems appeared on my credit report, but I was never contacted by the company, never sent a notice of debt, and never provided any validation of the alleged debt. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to notify me within 5 days of reporting or beginning collection activity. I am requesting deletion of this account from all credit bureaus, as it is fraudulent and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
They violated my rights as a consumer under XXXX XXXX XXXX. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance {$7900.00} Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/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 explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
To : Experian / Equifax / TransUnion From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Re : Identity Theft, Data Breach Dispute & Demand for Permanent Blocking of Fraudulent Accounts FTC Report Number : XXXX XXXX Dear Compliance Officer, I am writing to you as a victim of identity theft and recent data breachrelated criminal activity. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681c-2 ( Section 605B ), and 1666b, I formally dispute the fraudulent accounts listed below and demand their immediate and permanent removal from my credit file. THESE ACCOUNTS ARE TO BE REMOVED IN 4 BUSINESS DAYS PURSANT OF 605B FCRA LAWS!

Fraudulent Accounts Identified XXXX XXXX XXXX XXXX Account No. : XXXX Amount : {$16000.00} Date Fraud Began : XX/XX/year> XXXX  XXXX Account No. : XXXX Amount : {$420.00} Date XXXX XXXX : XX/XX/year> Both accounts were opened without my knowledge or consent and are the direct result of identity theft and ongoing data breaches by 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 2025-09-04 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: LA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CITIBANK, N.A.
State: NM

Complaint narrative:
On XX/XX/year>, I initiated a balance transfer of {$1600.00} from my Citi Simplicity card to my XXXX credit card. Citi confirmed in writing that the transfer was processed and provided a XXXXXXXX XXXX 

I provided this trace ID to XXXX, who investigated and confirmed to me that no funds were received. This leaves Citi and XXXX in direct contradiction : Citi claims they sent the money, while XXXX states they never received it. 

Despite this, Citi has refused to provide me with proof of where the money was actually sent. Citi has also failed to provide me : The routing and account number where the funds were sent. 
Settlement confirmation or a Fed reference number proving the funds left XXXX system. 
Any return codes or rejection notices if the transfer failed. 

ADDITIONALLY : XXXX only written response was a form letter from their Executive Response Unit, which was riddled with typographical errors ( e.g., stating poof of payment instead of proof of payment ). This careless communication demonstrates a lack of seriousness in handling my case. 

I have tried repeatedly to reach Citi by phone and email, but it is impossible to get connected with anyone who can provide assistance. I have not received any direct follow-up from Citi despite this issue being unresolved for more than 11 weeks. 

As a result, I am stuck carrying duplicate debt, with XXXX charging me 24 % XXXX interest on a balance that Citi claims was already paid. The financial and personal strain of this unresolved error has been significant. I am also an XXXX XXXXXXXX XXXX XXXX XXXX and my financial stability is critical to both my career and my 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-04 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: FL

Complaint narrative:
b'I am submitting this complaint as a diligent and concerned consumer regarding inaccurate late payment reporting on my credit report associated with my student loan account serviced by XXXXUpon reviewing my credit report, I noticed the following delinquencies on this account:\n\n90 days late as of XXXX  days late during XXXX XXXX XXXX XXXX XXXX\nThese late payment entries appear inconsistent with standard credit reporting practices. Typically, late payments are reported in a sequential progression30 days, then 60, 90, and finally 120 days late. However, in this case, the reporting skips directly to severe delinquencies (90 and 120 days late) without any preceding 30- or 60-day late entries in the prior months. This raises significant concerns about the accuracy and completeness of the reported data.\n\nUnder the Fair Credit Reporting Act (FCRA):\n\nSection 1681e(b) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.\n\nSection 1681i(a)(1)(A) gives me the right to dispute and request reinvestigation of incomplete or inaccurate information.\n\nSection 1681s-2(a)(1)(A) prohibits furnishers from reporting information they know (or should know) is inaccurate.\n\nSection 1681s-2(b)(1)(D) requires data furnishers to reasonably investigate disputes and correct or delete inaccurate or unverifiable data.\n\nDespite raising this issue, the inaccuracies persist on my report. I believe this may be the result of automated or incorrect data reporting practices that do not reflect my true payment history.'

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 2025-09-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I request the removal of fraudulent inquiries from my credit report. I have never attempted to obtain a vehicle, and I do not want to see these inquiries or this information listed in my credit report. The inquiries originate from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/2025. Please remove these inquiries where my data was breached and stolen from all three of these entities. Failure to do so will necessitate legal action.

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