vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account with citi bank opened XX/XX/year> Called them and they were unable to see what happened or close the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES 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 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 2025-08-02 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I requested verification from credence resource management of the debt and documentation supporting the accuracy of the information being reported. Specifically, I asked for the original contract bearing my signature, a full breakdown of the balance, and how the amount was calculated. I also asked for a copy of the complete payment history and a detailed explanation for any late payment notations or derogatory status. 

In addition, I clearly requested that once the balance was paid in full, the account be removed from my credit report entirely, as it was no longer a valid collection account. Despite the debt being satisfied, the company has failed to remove it and it still appears on my credit report as a derogatory collection.

This continued reporting after payment violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which prohibits inaccurate or misleading reporting, and potentially the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which forbids false, deceptive, or misleading representations by debt collectors.

The company has not provided the documentation I requested and has not honored the agreement to delete the account after payment. I am requesting full deletion of this account and a formal investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I formally dispute the following inaccurate account appearing on my Experian and XXXX  credit reports due to multiple violations of federal consumer protection laws : 1. DEBT OWNERSHIP CONFUSION ( FDCPA 809 ) XXXX XXXX XXXX reports ownership while XXXX XXXX XXXX attempts collection Neither entity provided complete chain of title from original creditor Violates FDCPA requirement for clear debt validation 2. INCONSISTENT REPORTING ( FCRA 607 ) XXXX  shows status as " Open '' while Experian reports " Closed '' Original creditor falsely listed as XXXX ( a debt buyer ) Metro-2 compliance violations regarding account type coding 3. FAILURE TO INVESTIGATE ( FCRA 611 ) Multiple " disputed by consumer '' remarks remain unresolved Credit bureaus failed to conduct proper reinvestigation DEMAND FOR REMEDIAL ACTION : Delete all inaccurate reporting within 15 days Cease all collection activities immediately Provide : - Complete chain of title - Proof of legal collection rights - MA collector license verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
I formally dispute the following inaccurate account appearing on my XXXX  and TransUnion credit reports due to multiple violations of federal consumer protection laws : 1. DEBT OWNERSHIP CONFUSION ( FDCPA 809 ) XXXX XXXX XXXX reports ownership while XXXX XXXX XXXX attempts collection Neither entity provided complete chain of title from original creditor Violates FDCPA requirement for clear debt validation 2. INCONSISTENT REPORTING ( FCRA 607 ) TransUnion shows status as " Open '' while XXXX  reports " Closed '' Original creditor falsely listed as XXXX ( a debt buyer ) Metro-2 compliance violations regarding account type coding 3. FAILURE TO INVESTIGATE ( FCRA 611 ) Multiple " disputed by consumer '' remarks remain unresolved Credit bureaus failed to conduct proper reinvestigation DEMAND FOR REMEDIAL ACTION : Delete all inaccurate reporting within 15 days Cease all collection activities immediately Provide : - Complete chain of title - Proof of legal collection rights - MA collector license verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This company has XXXX XXXX XXXX as a collection on my account claiming I owe them when I clearly showed how the payment was made to peoples gas directly. I requested over 30 days ago to have this removed from my account. It is causing damage. At this point it becomes fraud to continue to report incorrect information on my report each month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I am disputing 17 unauthorized hard inquiries listed on my Experian credit report. I was told by an auto dealer that checking my credit would only result in a soft pull. However, multiple lenders accessed my credit without my permission, and the inquiries continued for months afterward. I did not authorize these hard inquiries. Experian has refused to remove them or provide proof of my consent. I am requesting CFPB assistance to have these inquiries deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. I asked Experian to verify this account over XXXX days ago and requested that the CFPB also investigate this account. The credit bureau nor CFPB has accurately verified the account nor followed up with me. Experian is the only bureau that his the inaccurate account listed on my report. 

Account name 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 explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX BANK XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank regarding their failure to properly update my business name, which has caused ongoing operational issues and financial harm, including a denied SBA loan. 

In XX/XX/year>, I legally changed the name of my business from XXXX XXXX XXXX to XXXX XXXX XXXXXXXX XXXX The name change was officially filed with both the IRS and the state. I then worked with my Chase XXXX  XXXX  to update the business name on my Chase XXXX XXXX XXXX account. Chase processed the name change and I received email confirmations from my banker that it had been completed. 

However, despite this, Chase failed to update the business name on the accounts signature card and monthly statements. Over the past 15 months, I have visited the branch five separate times and signed the same signature card forms repeatedly. Each time I was told the issue would be corrected. I also escalated the issue through Chase customer service, yet the statements continue to reflect the old business name, " XXXX XXXX XXXX '' As a result, I was denied an SBA business loan because my Chase bank statements did not match the legal name of my business as registered with the IRS, state, and other vendors. I have supporting documentation confirming the name change and the denial from the SBA lender, which directly references the name mismatch on Chases statements as the reason for rejection. 

This is not only a serious administrative failure but also a violation of my rights as a business account holder. Chases negligence in failing to update its internal systems despite repeated attempts and confirmations has directly damaged my business operations and ability to secure funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal dispute regarding the inaccurate, inconsistent, and legally questionable reporting of a charged-off account from XXXX XXXX XXXX as reflected in my credit files with the three major credit bureaus : TransUnion, Experian, and Equifax.

Summary of Dispute : I am disputing the reporting of account # XXXXXXXX XXXX XXXX XXXX  due to the following factual inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681s-2.

1. Conflicting Dates and Statuses Date Opened varies slightly : TransUnion : XX/XX/XXXX Experian/Equifax : XX/XX/XXXX This inconsistency affects the calculation of account age and credit scoring. 
Date of Last Activity differs across bureaus : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The Date of Last Activity is a critical metric for determining how long negative items can be reported under the 7-year FCRA limit .

Account Still Reporting Despite Being in Dispute The account continues to report with derogatory status even though it has been formally disputed. Continued reporting of disputed, inaccurate information without proper investigation may constitute willful non-compliance under FCRA 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Although the payment was made in full on and before the due date, yet bank charged me a late fee plus interest followed with 37 phone collection calls.

A credit has been issued in the amount of {$27.00} on 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 monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a wire transfer was initiated by XXXX XXXX XXXX XXXX to my Chase checking account, based on instructions provided directly by Chase. I was told by multiple Chase representatives that I only needed to provide my checking and routing number to receive the wire. Following their guidance, the sending bank processed the transfer.

Chase rejected the wire, and since then, neither Chase nor XXXX XXXX XXXX XXXX can account for where the funds are. 

On XX/XX/XXXX, a Chase associate confirmed that the wire had been received and rejected, and provided a return transcript number, stating it would take up to XXXX business days for the funds to return to the originating bank. However, on XX/XX/XXXX, a different Chase representative claimed that no wire was ever received, directly contradicting the prior information. 

This misinformation has caused serious delays. The funds were intended to pay my childs tuition, and that payment is now at risk. I have contacted both institutions multiple times and still received no resolution, no case ID, and no confirmation of where the funds are. Chase has failed to provide consistent or accurate information, and there has been no clear path for escalation or accountability.

This situation has caused financial hardship, emotional distress, and disruption to my familys education plans. I am requesting the CFPBs assistance in investigating this issue, holding Chase accountable, and ensuring that the funds are properly located and returned or delivered immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 2025-08-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have three student loan accounts being reported by the Department of Education, XXXX, and XXXX  that contains inaccurate and misleading information on my credit reports from all three reporting agencies. I've already tried disputing these inaccuracies ( Multiple times ) and all I ever get back is that the account has been verified, the reporting includes errors such as ( DUPLICATE LOANS ), ( INACCURATE BALANCES ), ( INCORRECCT PAYMENT HISTORY ), and ( INCONSISTANT STATUSES ). I am not requesting another verification ; I am DEMANDING FULL DELETION OF THESE ACCOUNTS!! DUE TO ONGOING VIOLATIONS OF THE ( FCRA ). I have attached a full complaint document detailing the legal violations and my request for PREMANENT DELETION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: OH

Complaint narrative:
I have three student loan accounts being reported by the Department of Education, XXXX, and XXXX  that contains inaccurate and misleading information on my credit reports from all three reporting agencies. I've already tried disputing these inaccuracies ( Multiple times ) and all I ever get back is that the account has been verified, the reporting includes errors such as ( DUPLICATE LOANS ), ( INACCURATE BALANCES ), ( INCORRECCT PAYMENT HISTORY ), and ( INCONSISTANT STATUSES ). I am not requesting another verification ; I am DEMANDING FULL DELETION OF THESE ACCOUNTS!! DUE TO ONGOING VIOLATIONS OF THE ( FCRA ). I have attached a full complaint document detailing the legal violations and my request for PREMANENT DELETION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I REQUESTED THE FORM XXXX from XXXX XXXX CREDIT BECAUSE ON ALL XXXX CREDITS REPORT IT STATE THAT THE ITEM # XXXX AUTOMOBILE WAS CHARGE OFF, AND THE COMPANY REFUSE TO SEND ME THE FORM XXXX, AFTER THE VEHICLE WAS CHARGED OFF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I REQUESTED THE FORM 1099c from XXXX XXXX CREDIT BECAUSE ON ALL THREE CREDITS REPORT IT STATE THAT THE ITEM # XXXX AUTOMOBILE WAS CHARGE OFF, AND THE COMPANY REFUSE TO SEND ME THE FORM 1099C, AFTER THE VEHICLE WAS CHARGED OFF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The company XXXX XXXX has reported a inquiry on my credit report inaccurately am writing to dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. According to the law, I am entitled to dispute inaccurate or incomplete information appearing on my credit report, and I request that you investigate this matter promptly.

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