vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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 complaint to dispute multiple inaccurate items on my TransUnion credit report. The information reported does not accurately reflect my account history, balances, or account status. 

Charged-Off Accounts : Account Name Account Number Account Date Balance Issue XXXX XXXXXXXX XXXX XXXX Account status, balance verification XXXX XXXX XXXX  XXXX XXXX Account status, balance verification XXXX XXXX XXXX XXXX Account status, balance verification XXXX XXXX XXXX XXXX XXXX Account number and balance verification XXXX XXXX XXXXXXXX XXXX XXXX Account status verification XXXX XXXX XXXXXXXX XXXX XXXX Account status verification Late Payments : Account Name Account Number Issue XXXX XXXX XXXXXXXX Late payment reporting inaccurate XXXX XXXX XXXX XXXX Late payment reporting inaccurate XXXXXXXX XXXX XXXXXXXX Late payment reporting inaccurate I request that TransUnion investigate each disputed item, correct inaccuracies, and provide an updated credit report reflecting accurate information.

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 2025-11-25 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: NY

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-25 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: NY

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-25 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: NC

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
On XX/XX/2025 I made a purchase on XXXX with my Amex gift card i ended returning a few items and XXXX approve my refund, they already send the refund to the gift card, and now Im dealing with American Express and create a case with them, about this issue, they still havent resolve the issue, and send me the money that was refunded trough check because the cancel my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted formal disputes to JPMorgan Chase on XXXX regarding two accounts ending in XXXX and XXXX. These disputes identified specific factual errors, including discrepancies in account status, payment history, and balances. 

In response, JPMorgan Chase provided conclusory verifications that failed to address the factual inaccuracies or include any documentary evidence substantiating the accuracy of the information. Under 15U.S.C. 1681s2 ( b ), data furnishers are required to conduct a reasonable investigation, review all relevant materials, and correct or delete any information that is inaccurate or unverifiable. 

To date, JPMorgan Chase continues to report these accounts with materially inaccurate and unverified data, which is negatively affecting my credit profile. I am respectfully requesting that JPMorgan Chase either : 1. Provide documentary evidence substantiating the accuracy of the reported information ; or 2. Promptly delete the tradelines from all consumer reports if such documentation can not be produced.

Their continued noncompliance constitutes violations of 15U.S.C. 1681s2 ( b ) ( 1 ) ( A ) ( E ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
1. Our organization recently received multiple payments from participants through XXXX. Shortly afterward, XXXX  unexpectedly placed our business account under review and froze access to the funds. XXXX stated that our " business credential verification '' would be completed within 24 hours, yet it has now been over 10 days, and we still can not access or transfer our funds.

2. Lack of Communication and Failure to Resolve Despite repeated attempts to contact XXXX through their customer support channels : They have provided no clear explanation for the prolonged hold They have not responded to our follow-up emails Their system continues to display that verification is under review indefinitely We have received no request for additional documents, nor any timeline for resolution This delay is unreasonable and has caused significant hardship for our nonprofit operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
On XX/XX/2025XX/XX/year>, I appeared in small claims court against my apartment complex regarding a debt of {$120.00} that had been sent to Kimball Tirey & St. John. 
The judge ruled in my favor, and the court judgment clearly states that I do not owe the apartment complex any money, and that the apartment owes me money instead. 

Despite this ruling, Kimball Tirey & St. John is still reporting the {$120.00} as an active debt on my XXXX credit report. 

On XX/XX/year>, I emailed Kimball Tirey & St. John and attached a copy of the court judgment, notifying them that the debt is invalid and requesting that they delete the collection account from my credit reports. 

I received no response. 

On XX/XX/year>, I sent a second follow-up email. 
As of XX/XX/year>, I have still not received any response, and the inaccurate collection account remains on my credit report. 

They continue to report a debt that has been legally ruled not owed, and they have failed to correct the inaccurate reporting after being notified. This constitutes attempting to collect a debt not owed and failing to update credit reporting as required under the FDCPA and FCRA. I am requesting that the collection account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AZ

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

Company 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 2025-11-25 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I applied for a mortgage, and when I pulled my credit report, there showed a debt collection on my account. The agency listed it was for XXXX XXXX XXXX. I have never done business with them. I have also never received any notifications by email, mail, or phone regarding this debt or any information from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Formal Complaint Unlawful Account Closure by Citibank Following Incoming Business Wire Transfer XXXX Repeated Financial Institution Flags and Disruptions Complainant : XXXX XXXX XXXX XXXX. 
Attn : XXXX XXXX, Owner Email : XXXX Phone : XXXX To Whom It May Concern : I am submitting this formal complaint against Citibank , N.A . regarding the unjustified closure of my business checking account immediately following the receipt of a legitimate wire transfer from one of my clients business accounts and my subsequent attempt to transfer these funds to my XXXX XXXX business account for standard business use. 

I. Background and Summary of Events 1. I operate XXXX XXXX XXXX XXXX, a small business that relies heavily on the ability to receive client payments, access business banking services, and transfer funds between business accounts. 
2. I received an authorized domestic business-to-business wire transfer, initiated by my clients verified business account. 
3. Shortly after receiving this payment, Citibank froze and then closed my account without prior notice and without providing a factual or lawful explanation. 
4. I attempted only to transfer my own cleared funds to my XXXX XXXX business account for routine operational expenses, but Citibank treated this normal activity as suspicious and terminated my account. 

II. Broader Pattern of Financial Disruptions This incident with Citibank is not isolated. As a small-business owner, I have been subject to repeated unwarranted account freezes, closures, and merchant-processor shutdowns from multiple institutionsdespite all of my transactions being lawful, documented, and directly tied to legitimate business activities. 

These actions have severely impaired my ability to : Receive payments for services rendered Maintain operational cash flow Pay vendors and contractors Sustain business continuity Maintain credibility with my clients This repeated pattern of disabling and terminating my access to essential financial services appears arbitrary, unsupported, and damaging to my ability to survive as a small business. 

III. Harm Caused Citibanks actions, and similar actions by other institutions, have resulted in : Loss of access to earned business income Delayed operations and missed time-sensitive obligations Reputational harm caused by unexplained fraud flags Monetary damages due to inability to withdraw or transfer funds Emotional and financial hardship caused by repeated account closures

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 2025-11-25 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: IL

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 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
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts listed on my Equifax credit report. I believe these accounts have been inaccurately reported or are incomplete according to the Fair Credit Reporting Act ( FCRA ) guidelines. 

Disputed Accounts : Charged Off Accounts : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Reason for Dispute : This account is inaccurately reported as " charged off '' with the balance noted above. I request that the account be corrected or removed based on the FCRA 's requirement for accurate reporting. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reason for Dispute : Similarly, this account is inaccurately reported as " charged off. '' Please investigate and remove or correct this entry as required by the FCRA. 

Inquiries : XXXX Date : XX/XX/XXXX Reason for Dispute : I am requesting verification of this inquiry. If the inquiry was not authorized by me, I request that it be removed in accordance with the FCRA 's requirements for accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
* * This XXXX account must be deleted immediately. It is reporting inaccurate, inconsistent, and incomplete information across the bureaus in violation of 15 USC 1681e ( b ). Contradictory data can not be verified, and therefore is not accurate.

Under 15 USC 1681i ( a ) ( 5 ) ( A ), any information that is inaccurate, incomplete, or unverifiable must be deleted during the reinvestigation process. If you can not verify this account with complete, accurate, and uniform documentation at ANY point, you are required by law to delete it immediately.

Federal law ( 15 USC 1681i ( a ) ( 1 ) ( A ) ) allows 30 days to reinvestigate ; however, you may not continue reporting unverifiable or inconsistent information during this time. If accurate verification can not be produced, this account must be deleted as required by federal law. 

XXXX is also furnishing contradictory and misleading information in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1692e . * * ---

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