vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
Under FCRA 607 ( b ) and 611, XXXX XXXX, and XXXX, I dispute the following inaccuracies and inconsistencies in my TransUnion report. 
XXXX. XXXX & XXXX ( Acct # XXXX ) Your file shows Paid/Pays as agreed but Inactive account. Peer bureaus show contradictory XXXX lates. If any delinquency exists, provide proof ( running ledger ). Otherwise, delete derogatory code. 
XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX. XXXX XXXX ( Acct # XXXX ) Remove all inactive consumer dispute statements and XXXX codes. 
XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX. 
XXXX. XXXX  ( Acct # XXXX ) Balance, limit, and payment date conflicts across bureaus. 
Provide documentary verification or correct immediately. 
XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Confirm inter-bureau consistency and remove any inactive dispute flags.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a dispute to the credit bureau regarding the bankruptcy public record being reported on my credit file because I believe it is inaccurate or unverifiable. The bureau later marked the item as verified, but they did not provide any supporting documentation or details showing how the information was confirmed. 

I specifically requested the method of verification under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ), including the name and contact information of the source that verified the XXXX record ( for example, the XXXX or third-party XXXX ). To date, the bureau has not provided this information or evidence of a proper reinvestigation. 

I am requesting that the CFPB ensure the bureau conducts a lawful reinvestigation and provides the required verification details. If the information can not be verified directly from the original source, the XXXX public record should be deleted from my credit report as unverified and 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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Hello, On XXXX XXXX a Payment of XXXX was sent to a XXXX XXXX. I never sent this person money before. I was not informed to verify or this person was not in my contacts as cash app normally do. I immediately called cashApp and the representative told me that they deactivated the other person account and the funds was still there. They had to process the transferring of the funds back into my account. This process can take up to XXXX. As of today they are saying the same thing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed this debt. This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following : Agreement that bears signature of the alleged debtor with promises to pay original creditor, agreement that you have authority to collect on this alleged debtor, and complete payment history on this account to prove that the amount you wish to collect is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed this debt. This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following : Agreement that bears signature of the alleged debtor with promises to pay original creditor, agreement that you have authority to collect on this alleged debtor, and complete payment history on this account to prove that the amount you wish to collect is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
As outlined in 15 U.S. Code 1681g, disputed items must be deleted within the legally defined period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Starmark Financial LLC
State: UT

Complaint narrative:
This company Starmark Financial keeps calling my employment, I have told them to stop calling me at work that its against the law and the lady who calls every time, her name is XXXX XXXX. She has called my office on XXXX occasions, the phone number she is calling is XXXX and I want it to stop. My employer doesn't allow creditors to call our office and they shouldn't be anyway. I also want them to stop calling my family members, which they keep doing as well. They have called my office on these dates : XX/XX/year> @ XXXX XXXX, XXXX @ XXXX XXXX XXXX @ XXXX XXXX  and 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 2025-10-20 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the CRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681 c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CFPB Complaint Citi XXXX XXXX ( Account Ending XXXX ) Issue Type : Billing dispute / inaccurate credit reporting / account closure under dispute Summary : I am formally disputing inaccurate reporting on my Citi XXXX XXXX account ( ending XXXX ). Despite submitting a certified Pre-Arbitration Claim Notice and multiple follow-up emails, Citibank closed the account while the dispute was active and continues reporting late payments, inflated balances, and penalty interest incorrectly. 

What happened : My Citi Double Cash account ( ending XXXX ) continues to show late payments, inflated balances, and penalty interest that was incorrectly assessed due to miscalculated minimum payments. I have always made payments in good faith based on the amounts properly due. 

Despite submitting a certified Pre-Arbitration Claim Notice on XX/XX/year>, and multiple follow-up emails to Citibank, XXXX dispute has not been acknowledged, and the account was closed while still under active dispute, which is a violation of FCRA 623 ( a ) ( 3 ). Citibank has continued to report the account as delinquent without marking it as disputed with the credit reporting agencies, also violating FCRA 607 ( b ). 

I have not paid the incorrect amounts because the bills themselves are wrong. Reporting the account as delinquent or closing it under these circumstances is therefore inaccurate and violates FCRA XXXX ( b ), which requires furnishers to ensure accurate reporting. 

Timeline / Supporting Details : XX/XX/year> Sent certified XXXX Claim Notice to Citibank requesting XXXX XXXX XXXX. 
Follow-up emails sent to XXXX to confirm receipt and request corrections. 
Account continues to report inaccurate late payments despite active dispute. 
Account was closed while dispute was unresolved, which is improper under FCRA 623 ( a ) ( 3 ).

Supporting documents : certified mail receipt, pre-arbitration notice, proof of delivery, and screenshots of credit reports showing the account is not marked as disputed.

Requested resolution : 1. Conduct an independent accounting review of all payments, fees, balances, and penalty interest through the last two years, including the period when the account was in good standing, to compare and verify accuracy.

2. Correct all inaccurate reporting, including late payments, inflated balances, and incorrect penalty interest.

3. Flag this account as in dispute with all credit reporting agencies. 
XXXX. Reverse the improper account closure and any associated adverse reporting that occurred while the account was under active dispute. 
XXXX. Suspend any further adverse reporting, account closure actions, or penalty APRs until the review is complete. 
XXXX. Provide written acknowledgment of my pre-arbitration notice and all dispute-related actions taken.

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 monetary relief
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
Acuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$860.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed this debt. This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following : Agreement that bears signature of the alleged debtor with promises to pay original creditor, agreement that you have authority to collect on this alleged debtor, and complete payment history on this account to prove that the amount you wish to collect is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This was a very concerning experience I had with XXXX of your representatives on the dispute hotline on XX/XX/year>. The employee I spoke with was extremely unprofessional, dismissive, and disrespectful throughout the call. 

During our conversation, the representative repeatedly laughed while I was speaking and made sarcastic remarks. When I asked why I was unable to file a dispute online, she said, We call those multiple claim abusers. This statement was both offensive and completely inappropriate. I am not a claim abuser, and I should never have been labeled or spoken to in that way. 

In addition to her rude behavior, she failed to properly complete my dispute. There were three transactions that needed to be disputed, but she only processed two. I asked her twice to confirm that all three had been submitted, and she still did not include the third one. It felt very intentional, as if she did not want to help me or handle my issue properly. 

I still have not received my money back on any of those transactions or heard anything back from Bank of America. I guess I should just count it as a loss and remember that this bank allows fraud charges and talk to their customers like garbage.

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I did not receive correspondence and the rep was very rude. I do not owe this company or any other company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I made a payment in error to a closed account since 2022. The user who is my daughter does not recall the phone number or the email address that was associated with that account. I contacted cash app immediately to let them know that the payment was made in error. We do not have access to the account account and we do not remember the email address or the phone number that was associated with that account because my daughter is only a teenager. She doesn't remember and things change. I was willing to send him my email address my drivers license to show them that it was valid and I got denied it every level of the appeal process and the money is just sitting in the account. I can't get it back. It's only {$30.00} but not the amount anymore. It's the principle of the matter that I had to prove to verify who I was, and they still refused to assist me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
so money was taken from my account and added to a chime account where they were using the money that way instead of using my actual card, i do not have a chime account under my name and social there were 23 transactions totaling to {$630.00}

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 2025-10-20 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I paid a deposit of over {$500.00} to XXXX XXXX XXXX for lodging services. The reservation was originally booked for XX/XX/2024, and due to circumstances outside of my control ( a new puppy and later a storm ), the hotel repeatedly allowed me to reschedule and confirmed the deposit would carry over each time. 

The reservation was most recently scheduled for this week. XXXX days before check-in, my husband was assigned a mandatory work trip, so I called the hotel to move the dates again. The staff member I spoke to said they normally do not reschedule within 14 days but would make an exception and transferred me to reservations. 

Instead of rescheduling, reservations left me a voicemail stating that my reservation was canceled and my deposit was forfeited. I never canceled the reservation, and I never authorized the forfeiture. I contacted the hotel immediately, and they did not return my call for over XXXX days. When they finally responded, I was told the deposit would not be honored and I would need to pay a new one. 

I then contacted Chase to dispute the charge as a case of services not rendered and unauthorized cancellation by the merchant. The representative refused to open a dispute, saying the charge was too old, even though the issue occurred this week when the merchant kept the deposit and refused the service. 

I am requesting that Chase process a dispute for services not provided and recover the deposit the merchant refused to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
I disputed an inaccurate collection account on my TransUnion credit report that is being reported by XXXX XXXX XXXX on behalf of XXXX. I provided proof that the account is not valid, yet TransUnion refused to remove or correct it.

This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ), which require credit bureaus to : Maintain maximum possible accuracy in consumer reports, and Delete or correct unverifiable information after a dispute The furnisher has not provided any documentation proving that I owe this debt, and TransUnion did not conduct a reasonable reinvestigation. The account remains on my report and is causing financial harm, including denial of mortgage refinancing.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experians automated system is causing me great damage. I am unable to access my credit report on Experian.com despite using my correct username and password. My phone number is XXXX. That is the number that should be connected to my account. The number ending in XXXX is not my phone number. Also Experian is reporting that I have {$33000.00} in debt when I have no open accounts and no open debt for {$33000.00}.

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