vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
I am filing this complaint because all three credit bureaus Experian, Equifax, and TransUnion continue to report inaccurate and outdated information for XXXX of my accounts despite my lawful requests for correction under FCRA XXXX, FCRA XXXX ( a ) ( XXXX ), and XXXX ( b ). My XXXXXXXX XXXX XXXX XXXX XXXXcount ending in XXXX shows a XXXX late entry around the period of XX/XX/XXXX, even though the creditor acknowledged the payment-processing issue was on their system and that my account was satisfied on time ; however, the credit bureaus continue to display inconsistent dates. My XXXX  XXXX account ending in XXXX lists XXXX separate XXXX late entries that do not match the months I actually experienced delays, and XXXX XXXX previously confirmed that several of those reported months do not reflect their corrected internal data. My XXXX XXXX account ending in XXXX still shows XXXX XXXX late entries that do not correspond with the verified payment dates surrounding XX/XX/XXXX, and XXXX indicated that once my updated banking information was processed, the corrected dates would be transmitted yet the bureaus continue reporting incorrect information. These inaccuracies violate the creditors duties under FCRA 623 ( a ) ( 2 ) to correct and update information once notified, as well as FCRA 623 ( b ) which requires a proper reinvestigation and accurate reporting. The bureaus failure to reflect the corrected data also contradicts the protections outlined in 15 U.S. Code 1666 and 1666a, which prohibit inaccurate billing-related reporting while a dispute is pending and require proper handling of errors. Collectively, these errors are harming my creditworthiness and financial standing, and I am requesting CFPB assistance because the creditors and bureaus have not fulfilled their legal obligations to ensure the information on my reports is correct, updated, and aligned with verified payment records.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Multiple times I have contacted US bank, it has been almost a month. I was informed I would have my fund in XXXX business days. My account was closed XXXX. Waiting for {$7900.00} XXXX ( rounding ) check I am loosing money by not having my funds and how is this legal or ethical?

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, U.S Bank deposited a forged and altered business check of mine, from my business, XXXX XXXX XXXX XXXX. The payee, XXXX XXXX, whom I do not know, never signed the check. They forged my name on the front and back sides of this check for {$4500.00}. I did not recognize this cashed check until XXXXXXXX XXXX XXXX I called the bank to give them the information, and the representative said she would file my claim and I would receive an email the following week with forms to fill out for the fraud department at U.S Bank. I never received the email and called them the following Friday to let them know. That representative saw the information she took from me, but never filed the claim. They filed the claim of XXXX XXXXXXXX XXXX  I found out that they have a XXXX policy to inform them of this. Since I did not let them know within 30 days, U.S Bank denied my claim of reimbursement. 
Under California XXXX XXXX XXXX, and XXXX, a check with a missing or forged endorsement is not properly payable. The bank failed to exercise ordinary care as required in XXXX and XXXX ( a ) ( XXXX ). 
I feel that California commercial codes is above U.S. banks policy.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Date ] To : [ Credit Bureau XXXX XXXX XXXX ] Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX Dear XXXX XXXX XXXX am writing to dispute inaccurate information reported on my credit file regarding the following account : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1000.00} Reported Status : Closed, {$350.00} past due as of XX/XX/XXXX Payment History Errors : XX/XX/XXXX reported 30 days past due ; XX/XX/XXXX reported 60 days past due This account contains inaccurate information that is adversely affecting my creditworthiness. Specifically, the reported late payments for XXXX and XX/XX/XXXX are incorrect based on my records. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that you investigate and correct the inaccurate information. As per 15 U.S.C. 1681e ( b ), all items on my credit report must be maximum possible accurate, and the current reporting does not meet that standard. 

Please provide the following : Documentation supporting the alleged late payments for XXXX and XX/XX/XXXX. 

XXXX of the account balance and past due amounts as of each reporting date. 

If you can not verify the accuracy of this information, you are required under FCRA to delete or correct the disputed entries. Please also update all credit reporting agencies to which you have furnished this information. 

Attached are copies of supporting documentation, including proof of payments made and the account statements. 

Please confirm receipt of this dispute and provide a response within 30 days, as required under FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX and Experian have violated my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by reporting an unverified, inaccurate, and unauthorized collection account to my credit report. 

A collection account from XXXX XXXX XXXX suddenly appeared on my Experian report with the following inaccurate and suspicious information : Date opened : XX/XX/year> Reported balance : {$210.00} Original balance : {$65.00} Balance date : XX/XX/year> Status : Collection account I was never contacted, never mailed a validation notice, and never provided the legally required XXXX dispute window under FDCPA XXXX ( a ). 

I was also never provided the required XXXX notice or any fee-waiver determination if this debt is government-related, which is required before any reporting or collections can occur. 

No debt validation was ever sent to me, yet XXXX XXXX XXXX reported this account to Experian anyway. 
This violates : FDCPA XXXX09 ( a ) ( failure to provide validation notice ) FDCPA 807 ( false/misleading representation ) FCRA 1681s-2 ( a ) ( furnishing inaccurate information ) FCRA 1681i ( failure to conduct reasonable investigation ) In addition, the balance increased from {$65.00} to {$210.00} without explanation or documentation.

The dates and information reported are inconsistent, arbitrary, and inaccurate. 

I dispute this account entirely and have requested validation and removal from both XXXX XXXX XXXX and Experian. Neither has provided any documentation proving the debt exists, belongs to me, or was legally permitted to be reported.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I work for XXXX  XXXX XXXX a powersports dealership that took a customers motorcycle in on trade and paid off his loan through Citi Bank XXXX XXXX in XXXX of XXXX. We submitted all release paperwork with the payoff check which Citi Bank cashed. We have been trying to get the title for this vehicle ever since. The XXXX XXXX Citi Bank program has been discontinued which is making this mroe complicated. We have reached out several times to try to speak with someone about getting the title released. Unfortunately, we have been given multiple different phone numbers to various departments within Citi Bank but none have been able to get us any actual information or title release. We reached out through social media and the reply was the first phone number we were given which is incorrect. With the XXXX XXXX program being discontinued XXXX ( for which we are a franchised dealer ) has no information on a correct contact at Citi. Currently Citi Bank is in breach of law by cashing the check and not providing title in an adequate time frame.

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 2025-12-03 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: Klarna AB
State: AZ

Complaint narrative:
I am filing a complaint against Klarna for mishandling a legitimate service not received dispute connected to my XXXX purchase. 

I purchased tickets through XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX game on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to a documented XXXX XXXX flight delay caused by operational issues, I was unable to travel or attend the event. I have complete evidence of the airline disruption. 

This is not buyers remorse, a change of plans, or a preference refund. This is a clear case of non-receipt of the service purchased, since I could not physically attend the event due to circumstances outside my control. 

XXXX refused to offer a refund or credit, citing their all sales are final policy. However, a merchants policy does not override consumer protections regarding service not rendered. 

I opened a dispute with Klarna and provided all evidence. Klarna initially paused my payment plan and escalated the case. However, Klarna later denied the dispute strictly based on XXXX all sales final terms, without properly evaluating the evidence or the fact that the event service was never delivered. 

This is improper dispute handling. Klarna is obligated to review whether the service was actually received, not simply defer to the merchants refund policy. Klarna closed my case and reactivated the payment despite proof of non-delivery. 

I am requesting the CFPBs assistance to have Klarna : XXXX. Reopen and properly investigate my dispute under service not received. 
XXXX Review the airline delay documentation showing I could not attend the event. 
XXXX. Provide a refund for the {$740.00} XXXX charge or credit my payment method. 

I have screenshots, airline documentation, XXXX denial, and XXXX correspondence available upon request. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened under my identity. I did not authorize these accounts, and they do not belong to me. Once I discovered the issue, I immediately took all appropriate steps to resolve it including filing a police report, notifying the credit bureaus, and contacting the creditors involved.

Despite completing all required procedures and providing documentation, the fraudulent accounts continue to appear on my credit report. This situation has caused significant stress and has unfairly damaged my credit standing. Ive done everything Im supposed to do, yet the inaccurate information remains. 

I am requesting a full investigation and the removal of all fraudulent and unauthorized accounts so my credit report accurately reflects my true identity and financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my Equifax, TransUnion and Experian credit report that remain unresolved despite my previous disputes and repeated attempts to correct the information. Upon reviewing my credit report in detail, I am extremely frustrated and disappointed to see that many accounts continue to reflect incomplete, inconsistent, and unverifiable information. These inaccuracies have a direct negative impact on my creditworthiness, my ability to obtain loans, and my financial reputation. It is unacceptable that these errors persist, and I am formally requesting that Equifax, TransUnion and Experian conduct a thorough and proper reinvestigation of each item listed below and correct and update them as required under FCRA 611 ( 15 U.S.C. 1681i procedure for disputing inaccurate information ), FCRA 623 ( a ) ( 2 ) duty to correct and update, FCRA 605 ( a ) prohibition on reporting obsolete information, and FCRA 609 ( a ) right to full disclosure of information reported by furnishers. 
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 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 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 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

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I missed my card on XXXX XX/XX/XXXX I reported and blocked it onto credit card app. About XXXX later I have a new card ending number same ending number on my lost card. On XXXX, XXXX XXXX XXXX informed me there are the fraudulent transactions in my account then they locked it and sent the new card with different ending numbers. 
After I checked the fraudulent transactions on my account, I disputed XXXX transactions amount {$520.00}. But they approved {$350.00}, denied {$170.00}. I emailed to them for explain the circumstance, but no response. I tried to call XXXX XXXX XXXX to appeal the closure dispute, but no feedback.

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 2025-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened under my identity. I did not authorize these accounts, and they do not belong to me. Once I discovered the issue, I immediately took all appropriate steps to resolve it including filing a police report, notifying the credit bureaus, and contacting the creditors involved.

Despite completing all required procedures and providing documentation, the fraudulent accounts continue to appear on my credit report. This situation has caused significant stress and has unfairly damaged my credit standing. Ive done everything Im supposed to do, yet the inaccurate information remains.

I am requesting a full investigation and the removal of all fraudulent and unauthorized accounts so my credit report accurately reflects my true identity and financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding an inaccurate and misleading collection account that is currently appearing on my XXXX  credit report. 

Account Name/Original Creditor : JPMCB Status : Reported as Paid Collection Completed but still listed as a derogatory collection. 

While XXXX  is accurately reporting the balance as paid, the ongoing reporting of this account as a derogatory collection is incomplete, misleading, and failing to meet the accuracy requirements under FCRA 602 ( A ), 607 ( b ), and 611.

Once a collection debt has been fully satisfied, continuing to report it in a manner that implies ongoing delinquency or derogatory status no longer reflects the current and complete status of the account. By law, XXXX  must ensure that all information reported is fully accurate, not misleading, and not outdated.

FCRA Violations at Issue 1. FCRA 607 ( b ) Maximum Possible Accuracy Reporting a paid collection as an active derogatory account does not constitute accurate or complete reporting.

2. FCRA 602 ( A ) Requires consumer reporting to be fair and not misleading.

The continued derogatory notation unfairly harms my credit profile because it misrepresents the current status.

3. FCRA 611 Right to dispute inaccurate or incomplete information.

I am exercising this right and demanding a reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
For the past year I have been disputing unauthorized transactions with Chime and explaining how also some of these merchants that are withdrawing from my account is not official merchants or charges. My devices have been hacked, and I have explained my privacy concerns multiple times, but the company has not done anything about except for give me an option to close my account and lose all my credit building history and to start over as a new customer. I have also reported to them random emails and changes that take place on my account that wouldn't qualify for a decrease in my credits as they keep trying to tell me. they claim to have no notes on my account about all of my disputes and reports with their reporting including all violations and errors that have been reported. I have being asking about them investigating my account deeper but there has been no response and due to them being virtual I'm concerned it can be their system hacked or malfunctioning and they are refusing to do so. I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I have repeatedly requested proof of active property and liability insurance coverage for collateral securing loans serviced by First Horizon/XXXX XXXX XXXX Despite multiple written requests over several weeks beginning on or about XX/XX/year>, the company has refused to provide any insurance documentation. City records confirm no insurance is on file with local authorities. 

This complaint concerns life-safety disclosures and liability insurance, not a billing dispute. My account is currently in good-faith dispute due to material nondisclosure and unresolved regulatory safety hazards. My withholding of payment is unrelated to the companys independent legal obligation to disclose liability insurance when safety risks are present. 

I can not verify whether the collateral is properly insured, which creates significant financial, legal, and personal safety risk to me as a consumer. This represents a material disclosure failure. No explanation has been provided for the nondisclosure despite repeated requests. 

On XX/XX/year>, a representative of First Horizon Bank ( XXXX XXXX XXXX left a voicemail stating that legal had reviewed my request and that the bank was not allowed by regulation to provide the insurance information, without identifying any such regulation. 

Withholding payment does not legally prevent the disclosure of liability or property insurance information when life-safety risks and public occupancy hazards are present.

Company response to consumer: Closed with explanation