vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am filing a complaint against JPMCB/Chase for furnishing inaccurate, incomplete, and misleading credit reporting data to XXXX  regarding my credit card account ending in XXXX. 

The tradeline shows multiple factual inconsistencies : XXXX. Chase reports Status Updated : XX/XX/XXXX, but continues reporting charge-off status and new derogatory payment history entries for XXXX, XXXX, XXXX, XXXX, and XXXX. This is not possible if the last update was in XXXX. 
XXXX. Chase reports a charge-off month after month for years. A charge-off is a one-time event, not a recurring monthly status. 
XXXX. The payment history contains contradictory delinquency information that does not align with the account status. 
XXXX. Chase verified this account to XXXX  despite these obvious inconsistencies, which constitutes furnishing inaccurate information under FCRA 623 ( a ) ( 1 ) and failing to correct after notice under 623 ( a ) ( 2 ). 

I am requesting that the CFPB require Chase to : - Conduct a full, documented review of the tradeline ; - Provide accurate and consistent data to XXXX  ; OR - Request deletion of the tradeline if it can not be verified with complete accuracy. 

Please assist in ensuring Chase complies with all FCRA furnishing obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I received a wire for XXXX and I wanted to make a withdrawal, than my account was put on hold since XX/XX/XXXX they asked for the source of funds I provided they asked if I can prove the person sent the funds I provided the receipt he was given from doing the wire still my funds were not released I was told to go to another branch which I did i signed a form which said Ill be getting my funds and they still didnt give me my funds then I was told its under investigation, Ive called and visited the branch several times during this period for updates and just stories, as well as the person who sent the wire has called my bank as well as his bank and we get nothing but stories from my bank, and we have been nothing but transparent with them now its 6 weeks no letters no updates if we call they say whatever and dont follow up I have recordings. We have been patient and transparent even my bank shares more information about my account with the sender than they do with me most of the time I get information from him to walk in but nothing just stories all the time and Ive told if they dont want release the funds to me, they should return it also stories so this is what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am filing a complaint against Citibank , N.A . ( the furnisher for Macys/CBNA ) for providing inaccurate, incomplete, and misleading information to XXXX  regarding my Macys credit account ( account ending in XXXX ). 

There are multiple factual inconsistencies in the data Citibank is furnishing : 1. The tradeline shows Status Updated : XX/XX/XXXX, but XXXX  is reporting new charge-off ( CO ) entries every single month from XXXX through XXXX. This is contradictory and materially misleading. 
2. A charge-off is a one-time accounting event, not a recurring monthly status. Reporting a charge-off repeatedly across multiple years is inaccurate and violates FCRA standards .

3. Citibanks payment history entries do not align with the status update date, which falsely extends derogatory reporting beyond the actual event.

4. The balance, original balance, and payment history data contradict each other and suggest incomplete or improperly reported information.

5. I disputed this account with XXXX, but Citibank verified the inaccurate data without correcting any of the contradictions. 

This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate, and 623 ( a ) ( 2 ), which requires correction after notice.

I am requesting that the CFPB require Citibank to : - Conduct a full, documented reinvestigation of the tradeline, - Provide XXXX  with complete and accurate reporting data, OR - Request deletion of the tradeline entirely if Citibank can not verify the information with complete accuracy.

Please assist in ensuring Citibank complies with all FCRA furnishing obligations.

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 2025-12-09 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: CA

Complaint narrative:
hello i found XXXX unauthorized fraudelent inquiries on my credit report.please help me to remove those unathorized inquiries from my credit file

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 2025-12-09 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: TX

Complaint narrative:
Greetings, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity.

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 2025-12-09 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: CA

Complaint narrative:
I am submitting this dispute to TransUnion regarding inaccurate or unverifiable information being reported. 

Charged-Off Accounts Please verify or remove the following charged-off account ( s ) : [ Insert Charged-Off Account ( s ) Here ] Inquiries The following inquiry appears to be unauthorized or lacking permissible purpose : XXXX XXXX ( XX/XX/year> ) Please delete it unless documentation of authorization can be produced.

Positive Accounts I request that TransUnion ensure that my positive and current accounts remain reported accurately and unaffected by this dispute.

Late Payments Please verify any late payment data being reported. If TransUnion can not confirm accuracy with original documentation, remove those entries as required by FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-09 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 dispute several inaccuracies found on my credit report, as they pertain to my personal information and accounts. Below are the details of the disputed items, separated by each bureau. 

Previous Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Inquiries : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX, Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX, Date : XX/XX/year> XXXX XXXX XXXX, Date : XX/XX/year>

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the attached response from Equifax, they are stating that the disputed accounts were verified as accurate. As a result, Equifax stated the current dispute in " frivolous '' and they ( Equifax ) will not research any additional disputes. 

Under the Fair Credit Reporting Act. Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires Equifax to ensure verification methods for accuracy in consumer reports. Section 623 ( 15 U.S.C. 1681s-2 ) also requires furnishers to provide accurate and verified information on all consumer reports. 

I request full and accurate details on how Equifax verified and validated these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 bear no connection to these accounts ; please take them off within 15 days in line with USC 1681g.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
This issue is still not resolved. I have not been able to access my money since XXXX. Cashapp finally reached out to me via email on XX/XX/year> after contacted them again on XX/XX/year>. I replied to their email with an explanation of where I traveled back in XXXX that originally flagged my account. They have not responded to my email with acknowledgment or resolution and I still can not access MY money. This is an extremely excessive amount of time to have my funds held up in their verification process. Please refer to complaint XXXX XXXXXXXX and XXXX XXXXXXXX. The matter has not been resolved and their business practices are not ethical or timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my loan was paid off. On XX/XX/year>, the lender, Mr Cooper, deducted a payment from my checking account. They are indicating that they will repay any " overpayments '' within 30 days. Plus, there may be several XXXX dollars in fees. The payment should have never been deducted as the loan was paid off according to their payoff instructions. One, this should not take a month to resolve. Two, there should be no fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I respectfully request that TransUnion review the following disputed accounts to ensure their accuracy. If the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1400.00XXXX XXXX XXXX XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$8800.00} XXXX XXXX XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX, Account XXXX : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, XXXX : XX/XX/XXXX, Balance : {$17000.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX XXXX, Account Number : 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 2025-12-09 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:
I am not involved with these accounts ; they should be deleted within 15 days under USC 1681g.

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 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KeyBridge Medical Revenue Management
State: IN

Complaint narrative:
I have been double paying on medical debt to attorney XXXX XXXXXXXX XXXX XXXX  AND keybridge medical. I just found out XX/XX/year> from Keybridge and was told to stop paying them. I also have a court date for qage garnishment on this debt that clearly is inaccurate at this point.

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 2025-12-09 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief