vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: MA

Complaint narrative:
I am submitting this complaint because a creditor is reporting inaccurate and unverified information on my credit report and the credit bureaus are continuing to publish the information without proper verification. The account is a charged-off credit card with a reported balance of {$1000.00} and a credit limit of {$750.00}, opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

There are multiple issues : 1. The account information is inaccurate and inconsistent. 
The dates, charge-off status, balance reporting, and utilization percentage are not aligned. The furnisher is reporting 142 % utilization, unclear charge-off dates, and inconsistent payment history. This strongly suggests the data is incomplete or being improperly maintained. 
2. The furnisher has not provided verification of any written authorization or permissible purpose to obtain or furnish my credit information.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a creditor must have a permissible purpose supported by written consent or a valid credit relationship. I requested proof from the bureaus and the furnisher, but they have not provided any evidence of written authorization or the original signed agreement. 
3. The credit bureaus continued publishing the information despite my formal dispute. 
Under FCRA 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable reinvestigation. Instead, they marked the account as verified without supplying any documentation or explanation. The furnisher has not demonstrated that the data is accurate or that they are still legally authorized to report it. 
4. The furnisher may no longer have the legal right to report this account. 
If the debt was sold, transferred, or assigned, the original creditor should not be reporting an active balance or derogatory status. They have not provided evidence showing they still hold the account or have the authority to furnish data. 

Because of these failures, I am asking the CFPB to intervene and require : Verification of the account from the furnisher Proof of permissible purpose and written authorization Correction or deletion of the account if it can not be verified An explanation of how the bureaus verified the account Compliance with FCRA 15 U.S.C. 1681i and 1681s-2 This inaccurate reporting is harming my credit profile, credit access, and overall financial standing. I am requesting the CFPBs assistance to ensure the furnisher and bureaus comply with federal law and correct or delete any unverifiable or inaccurate information. 

Thank you for your help.

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 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
After two returned checks for less than XXXX my account, of which I have had for over 12 years was closed. Payment was due on XX/XX/XXXX and my account was closed XX/XX/XXXX. No warning the account would be closed if the payment issue wasn't solved. The minimum balance required had been paid. Like many, I at times use my account for business and had sent in the payments expecting checks in a checking account to clear. Unfortunately this did not happen and when citi collected the payment, they didn't go through. Mind you it was XXXX XXXX too. I have carried a large balance with citi many times and paid it down. Citi has never not received their money from me. I have had returned checks with out closure before. All of this happened while I was on vacation in XXXX and not able to receive any mail notifications about the request for payment. I had to call citi for XXXX and they couldn't give me any information on the closure. I have another credit card with citi that was also closed because of this initial closure. I have since paid off my months balance and will pay the little remaining in the next week. I am just so upset. I have been with this bank for 12 years, and they dropped me and effected my credit with no warning and no ability for me to make amends by paying off the balance or rectifying the situation in some other means. Just terrible customer care and respect.

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 2025-11-22 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: FL

Complaint narrative:
Upon reviewing my credit report in preparation for purchasing a home, I identified several hard inquiries that do not belong to me. I would like someone to investigate and validate them. If you are unable to verify these inquiries, I request that they be removed from my credit report as soon as possible.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name XX/XX/XXXX XXXX Sofi Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: MO

Complaint narrative:
BMW Financial Services refuses to review my documented hardship request. They told me I must make six payments before they will consider hardship assistance. This rule is not in my contract and was never disclosed. I recently secured new employment and only need a temporary deferment or extension to avoid delinquency. I am not refusing to pay. BMW will not review my request and continues to impose an undisclosed internal rule that appears arbitrary and unfair. 
Potential violations include : 12 U.S.C. 5511 ( c ) Unfair or abusive acts 15 U.S.C. 45 Unfair business practices 15 U.S.C. 1692d1692f Unfair collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing a charged-off account with XXXX XXXX that was sold to XXXX XXXX XXXX XXXX According to my credit report : The account shows Account charged off. {$510.00} written off, with a {$0.00} balance, which is correct. 
However, the account status was updated in XX/XX/year>, even though the debt was sold. 
The tradeline also lists Highest Balance : {$510.00}, which appears inaccurate. 
The account shows Purchased by another lender, yet XXXX XXXX continues reporting updates after the sale. 

Under the Fair Credit Reporting Act ( FCRA ) : Original creditors may not continue updating sold debts. 
Re-aging a debt or furnishing negative updates after it has been sold is illegal. 
Only one entity may report the balance owed ; the original creditor can not continue to report it after sale. 

This continued reporting appears to violate the FCRA and may be harming my credit score. I request that XXXX XXXX and the credit bureau investigate, stop updating the account, and correct any inaccurate information. Please provide written confirmation once corrected. 

Attachments : Screenshot of credit report showing account updates and sale Any documentation regarding the sale of the debt

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 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: NJ

Complaint narrative:
I send money to a recipient on the platform sendwave, on the application said money was delivered to recipient bank account. Per the recipient no money is showing. 
They lie on when the money was going to be a available also wrong information was given when reaching out to their customer service department. I was told the transaction was going to be cancelled and the money was going to be refunded. When I noticed the money was delivered instead of being cancelled i called again spoke with a supervisor, and told me they cant cancel a transaction. After that thats when the recipient mentioned no money is showing on her account i feel i was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-22 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: MN

Complaint narrative:
I regularly monitor my credit report because my credit score is extremely important to me, and I keep seeing inaccurate and false information appearing over and over again. This has been a recurring issue that has not been corrected despite repeatedly bringing it to your attention. It has become incredibly stressful and exhausting, and these ongoing inaccuracies are unfairly damaging both my life and my credit score.

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 2025-11-22 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: CL Holdings LLC
State: FL

Complaint narrative:
This is fraud. I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I was unable to get my check deposited for my job. On the XXXX of XX/XX/year> I put in a request to find out what was going on and I'm told that they couldn't inform me at all, and the only person I could attempt to communicate with to fix the problem could only be contacted through email. I loose access to putting money into the account and {$40.00}, that were already in the account, was no longer there. After days go by, with no answers or email, I attempt to contact them again and I am told the same thing again. After a month of trying to get ahold of someone, I get an email on XX/XX/year> telling me that I was being charged an overdraft on repayments that I was not informed about after not having access to the account financially. It was a total of 4 emails spanning across 4 hours with a total of {$50.00} in the negative. I call them to try and get more information and I get the same answers I have been getting so far. On the same day, about 7 hours later, I get told that a manager with them is looking into it and to get in contact with them. I can't answer the email as per the email itself and call them to get things sorted. I am yet again told the same thing again and when I try to get them to close the account I'm met with silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NC

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-22 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: AZ

Complaint narrative:
The credit furnisher is reporting inaccurate, incomplete, and inconsistent information on my credit report. The XXXX account shows conflicting dates, duplicated dispute remarks, missing payment history, and incorrect reporting for a closed account. The account was marked closed on XX/XX/XXXX, but continues to be updated as if active, including a XX/XX/XXXX reporting date. This violates FCRA accuracy standards ( Sections 607, 609, and 611 ). 
I have requested verification, but no documentation or proof of the debt has been provided. I am requesting the CFPB to mandate a full reinvestigation and deletion of this unverified and inaccurately reported 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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
I received two checks from my partner for work and do some job.I send invoice to my partners and he provide me two checks. 
Both checks was deposited to my company bank account at Relay Bank. 
Under bank request I provide to bank my company registration copy, my tax ID copy, copy my good standing. 
Money for checks was received by bank Tuesday morning.Bank hiding this information and request from me all documents again. 
After second request I sent them my registration, my Tax ID, copy good standing, confirmation the company belong to me and invoice. 
Additional I send all information about my partners company, -license number, emails, numbers of phones, websites. 
My money frozen from Tuesday, any attempt received information about a reason the money is frozen declined. 
The sum more than {$4000.00}. 
I have not agreement with my partner, I do job, after that I send them invoice and he paid me. 
Not any reason frozen my money, this money belong to me and my family. 
The bank frozen money, and different bank say, - not enough money to your bank account. 
One hand wash different. 
Please let me pick up my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing this complaint regarding Chase Banks handling of a fraud dispute involving XXXX payments totaling {$2000.00}. 

I was a victim of a rental scam in which an individual falsely represented themselves as a landlord and induced me to send money to secure an apartment. These payments were made under false pretenses due to deliberate misrepresentation and deception. 

After I realized it was a scam, I immediately contacted Chase to report fraud and provided documentation including a police report and an FTC report. Despite this, Chase refused to reverse the transactions, stating that because the payments were authorized, they were not responsible. 

While I technically authorized the payment, I did so based on fraudulent information provided by the scammer. This constitutes fraud by deception and should be reviewed under consumer protection regulations, including Regulation E obligations for scam-related fraud. 

I am requesting a full reconsideration of my claim, escalation to the appropriate fraud investigations department, and a written explanation citing the specific policy used to deny my dispute. I also request that Chase review whether proper procedures were followed in handling my fraud report. 

I believe this claim was unfairly dismissed without meaningful consideration of the documented scam and the supporting evidence I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: SC

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: SC

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridgecrest Acceptance auto company repossessed my car XX/XX/XXXX and told me at I owed them XXXX dollars from 17 returned checks and stop payments on my car back in XXXX of XXXX. My car payment is XXXX .They never attempted to send letters, no phone calls, no emails. My credit states my account is current. I am trying to find the reason why they came and repossessed my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am writing to dispute inaccurate and duplicate reporting appearing on my credit file. These errors violate the Fair Credit Reporting Act ( FCRA ) because they provide information that is inconsistent, misleading, and materially incorrect. 
Duplicate & Incorrect Reporting Both Westlake Financial Services and XXXX XXXX XXXX are reporting balances on the same debt. This is factually incorrect. 
When a debt is sold or transferred, the original creditor must report the account as : {$0.00} balance, and sold/closed/transferred Only the current debt owner may report an active balance. 
However, on my credit report : XXXX XXXX XXXX reports a balance of {$3700.00}, AND Westlake Financial Services reports a balance of {$3700.00} Both showing balances is inaccurate, misleading, and violates FCRA 607 ( b ) and 611 because it creates the false impression that I owe twice. 
Request for Investigation Under the FCRA, I am formally requesting that you : Investigate these accounts Require the furnishers to verify correct ownership Correct the reporting by : Setting Westlakes balance to {$0.00} and marking it sold/transferred, OR Removing the inaccurate entry entirely if it can not be verified If the furnishers can not provide documentation proving the accuracy of both accounts with active balances, they must be deleted. 
Please Send Me Written Results Please mail me confirmation of : The results of your investigation Any corrections made An updated copy of my credit report Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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 recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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 2025-11-22 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 recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation