vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
My son received a XXXX XXXX XXXX for {$50.00} from his aunt for XXXX. The card says you have to register at XXXX before using. When I tried to register the card, I kept getting an error message that the security code ( from the back of the card ) was invalid. When I called the number, the man said I need to upload my government ID to a website and they will get back to me within 30 days. The website keeps giving me an error when I try to enter the card information and security code on the card. I'm at a loss, as there is NO other avenue I can take. The website and call seems like an intentional way to get me to 'forget about the card. ' Or I think I'm getting scammed. I've never had to register a XXXX XXXX XXXX  before using.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My personal information was exposed in a data breach

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inquiries on my credit report that are not attached to any active accounts on TransUnion 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 2025-01-01 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: TX

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at Trans union credit report on XXXX XXXX  and noticed somethings are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall- ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — Store credit 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: NJ

Complaint narrative:
Home depot was to deliver flooring to my home. the pallet broke when they were delivering and threw the flooring on the ground in front of my home in a pile. It was damaged and store was contacted immediately. advised they would send a truck for pickup. when truck came for pickup, they said they could not take the items back in that condition and to trash the items and a refund would be issued. I have yet to receive a refund after numerous back and forth communication. I have attached a photo of the delivery condition. They are now trying to charge me interest on the disputed amount that I do not have. 

as per the credit card rule, if you are not satisfied with the merchandise, we qualify for all 3 requirements, in addition to the fact that we no longer have the items are per their instructions. Home depot/citi credit card stated they do not follow these regulations. Please assist with this matter.

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 2025-01-01 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: AL

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.

Account Name : 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 XXXXXXXX 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 seven 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 non-monetary relief
Consumer complaint received 2025-01-01 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: AL

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. 


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 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 seven 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 2025-01-01 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:
My information was exposed in 2 large data breaches one being XXXX the other being XXXX which have cause fraudulent accounts to be obtained in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX also has incorrect information DOB shows XX/XX/XXXX my XXXX XXXX XXXX  This is not my account and was opened fraudulently please validate. 
Someone obtained an XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I applied for a Chase business card and was accepted ( card number ending XXXX. ) On XX/XX/XXXX I applied for a Chase Freedom unlimited person card. I got the message " We'll review and get back to you soon. '' I was planning to use this card to buy an engagement ring. I wanted to take advantage of the of 0 % intro APR offer. 

Eight days went by and I got no further communication regarding this card. 

On XX/XX/XXXX I called Chase and asked about the status of my application. They told me they could not verify my identity, which is weird because they verified it just fine when I applied for the business card on XX/XX/XXXX. They told me I needed to take a picture of my drivers license and some mail verifying my address and upload it to their website. I did this immediately proceeding our call. 

Seven more days go by with no communication. 

On XX/XX/XXXX I called Chase and asked about the status of my application. I got put through the RINGER with being transferred to different agents. It's hard to remember how many times I was transferred, probably five times, and each time they needed to verify my identity with SSN and two factor authentication through my phone number. This was a terrible customer experience. Eventually the agent told me I needed to go into my local chase branch and get my documents verified so my identity could be verified. Luckily I live a few blocks away from a chase branch. I hang up the phone and head straight there. 

I get to the chase branch and the guy is immediately confused. I basically had to do his job for him. He took me to a desk, put me on the phone, and I had to go through the same exact rigmarole as before where I talked to a few different agents and they all had to verify my identity through SSN. Then the agent told me to go into my local chase branch to get my identiy verified. I WAS ALREADY AT MY LOCAL CHASE BRANCH. I told the phone agent this and they requested I pass the phone to the in person agent. We then sat on hold for 15 minutes. Finally, the agent told me I had been approved for the card. 

Because of this lengthy and unnecessarily complicated application process, I had to use a different credit card to buy the engagement ring. On XX/XX/XXXX the jeweler told me if I could not buy the ring soon the ring would be taken off hold and could be sold to a different customer. If chase had acted in a competent matter in the application process, I would have had the freedom unlimited card in time to make this purchase. 

Today, I transferred the balance from the card I used to buy the engagement ring ( XXXX XXXX to the chase freedom unlimited card. A {$120.00} charge was applied to my account to complete this transfer. This charge was only necessary because of the confusing application decisioning from Chase. 

I request the {$120.00} charge be removed from my account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 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: PA

Complaint narrative:
Account in question is XXXX XXXX XXXX XXXX XXXX. Can't verify the account with half of an account number and this account has been disputed more than once for inaccurate information. 
This item was removed from my credit report between the dates of XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX then reinserted within those same dates without proper written notification within 5 business days to me as cited 15 U.S.C. 1681. This was disputed on XX/XX/XXXX. 

Again, I disputed for inaccurate information on XX/XX/XXXX, and the incompleteness of the account. Also, the re-aging of the account from the inaccurate updates as a response to prior disputes. This is due to the closing of the account and marked as charge since XX/XX/XXXX. Then from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX there was no information to report. It then popped up as a new account in XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and started reporting as if it was an active account. This is also in violation of my consumer rights under 15 U.S.C. 1681, hence why I can not let this continue to violate my rights and negatively impact my credit report which is detrimental to my livelihood. 

Finally, there are many different variations of my personal information which is also misleading to creditors when checking my credit worthiness, I am seeking credit. This has to stop as I have been taken advantage of for too long.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My SSN was used to open a credit card with Capital one Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: KY

Complaint narrative:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I have never received anything in the mail or any phone calls about this debt collection. I have tried to dispute it at least four times. I dont even know what this if for or how I would get a hold of the company to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) 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 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft andfraud within 4 business days of you recieving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan opened at XXXX XXXX on XX/XX/XXXX under account # XXXX and a Personal Utilities account opened at XXXX XXXX on XX/XX/XXXX under account # XXXX. 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 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 non-monetary relief
Consumer complaint received 2025-01-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft andfraud within 4 business days of you recieving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan opened at XXXX XXXX on XX/XX/XXXX under account # XXXX and a Personal Utilities account opened at XXXX XXXX on XX/XX/XXXX under account # XXXX. 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 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 2025-01-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: KY

Complaint narrative:
I paid Lexington law for credit repair and they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: AZ

Complaint narrative:
I sent a letter to XXXX and Experian about these inaccuracies on my credit reports for my XXXX XXXX XXXX  and they completely ignored my letter. They are also both reporting incorrect 30 day late payments, which never occurred, and need to also be removed/corrected.

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 2025-01-01 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My credit file was pulled and didnt receive a product and this is a violation and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This collection agency agreed this would be removed. The credit reporting agency is refusing to delete this trade line and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: FL

Complaint narrative:
ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) section 605B requires consumers reporting agencies ( CRAs ) to block the reporting of any information in a consumers file that the claims resulted from identity theft. I am unaware of the hard inquiries and collections on my report. XXXXXXXX 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 {$2100.00} XX/XX/XXXX ( unauthorized and unaware of this collection ) this company has yet to give a purchase agreement with my signature.

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