vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
Received letter claiming I owe {$52.00}. When I closed my account with XXXX they owed me money and sent me a check for overpayment.

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 — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with CITIBANK or any of the affiliates. I have confirmed and advised CITIBANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how CITIBANK approved a credit under my name, without doing any further review and confirmation. Given the fact that CITIBANK has the right to investigate and obtain all necessary information prior to approving any credits, CITIBANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, CITIBANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the XXXX laws that CITIBANK must comply with prior to approving any credit card/lines to anyone. Pursuant to CITIBANK 's online advertisement, CITIBANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from CITIBANK stating that my information was used or attempted to be used in order to open an account. Thus, CITIBANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, CITIBANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for CITIBANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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: 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information been exposed I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complain, copy of NPD report showing my data being exposed in a national data breach, copy of report Equifax confirming my data being exposed in their data breach, bill confirming my current address, and a validation of debt letter.

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: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
I work XXXX hard for my money at my age XXXX only XXXX taking care of so many things. These XXXX hour shifts almost everyday arent gon na get payed off themselves. I got a cashapp notification that my account is restricted as I was at work earlier. I am suppose to receive a check tonight that I can no longer get. I cant see the amount or anything. It is not on my payroll ( Ive received numerous deposits through cashapp already ) and I have contacted my employer. My account is no longer sponsored on cashapp because of something that had something to do with my parent/guardian account. I reached out to my sponsor asked what had happen. He told me cashapp didnt provide him with a reason on why his even got suspended. It had nothing to do with me personally. I reached out to cashapp letting them know. I keep getting automated responses even with talking to an agent. I tried to get another sponsor. They said I reached my limit? I mistakenly set XXXX person instead of my grandmother. It said Ive reached my limit. Mind you I only sent XXXX requests XXXX to each person. XXXX tells me it will be like that for 7 days. My dad has been in contact with them as well but it is coming back in circles. They told me my money isnt insured or protected. I tried to explain to them that no matter what my account is under its still my money at the end of the day and that I am still a member. They said they cant do anything or change anything in the system and that I need to find other ways to receive the money. Those agents dont seem real. They dont help at all .. XXXX lost XXXX words. I never expected this to happen.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I made a purchase at a XXXX location and paid approximately {$20.00} using my JPMorgan Chase card. The order was not fulfilled as promised : I received only XXXX pieces of chicken, instead of the XXXX that were expected. 
I did not receive the dessert or sauces that were supposed to come with the order. 
The food that was delivered was of very poor quality. 

This amounts to a billing error and non-receipt of goods, as defined under the Fair Credit Billing Act ( FCBA ) of 1974. I promptly contacted JPMorgan Chase to dispute the transaction. 

Chase refused to allow me to file the dispute at all using the mobile app. They did not open an investigation, issue a provisional credit, or honor their legal obligation to address the billing error. This is a clear violation of the XXXX, which grants consumers the right to challenge unauthorized or erroneous charges.

Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
[ See attachments for full dispute letter and identifying documents ] My credit reports are inaccurately reporting late payments on my XXXX student loan accounts, even after multiple disputes. These errors violate federal consumer law and have caused material harm to my credit score. 

Specifically : My credit report shows late payments in XXXX, XXXX, and XXXX of XXXX, which is a direct violation of the federal CARES Act administrative forbearance that was in effect until XX/XX/XXXX. No payments were due during this period. 

The payment history is illogical, with reports jumping from " OK '' directly to " XXXX, XXXX, and XXXX days late '' multiple times, which violates industry reporting standards and proves the data is not accurate. 

There are significant and unexplainable differences in the reported " highest balance '' for the same loans across the XXXX credit bureaus. 

After the credit bureaus repeatedly " verified '' these accounts, I contacted XXXX directly on XX/XX/XXXX, to request the documentation ( notifications, payment ledger ) that would support their reporting. The agent stated that she " could not promise '' that the documents would be sent. 

This confirms that the servicer can not produce the records to support the data they are reporting, rendering the information legally unverifiable. The credit bureaus ' previous " investigations '' were therefore unreasonable and failed to assure the maximum possible accuracy of my file as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with my rights under the Fair Credit Reporting Act ( FCRA ). I disputed an account from XXXX XXXX XXXX ( original creditor : XXXX XXXXXXXX XXXX XXXX XXXX, balance {$1000.00}, opened XX/XX/year> ) appearing on my credit report. 

I have requested the method of verification three separate times, as allowed under 15 U.S. Code 1681i ( a ) ( 7 ), but TransUnion has failed to provide : The method used to verify the account ; The name and contact information of the party who verified it ; A description of the reinvestigation procedures used. 

Instead, I received generic responses stating the information was verified as accurate, without any actual documentation or proof. This does not meet the legal standard for a reasonable investigation under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which requires a good-faith reinvestigation and meaningful communication of the results.

I believe TransUnion is in violation of my consumer rights and is reporting unverifiable information, which is damaging my credit standing. I am requesting the CFPB to : 1. Require TransUnion to immediately provide full details of the verification as required by law.

2. Delete the XXXX XXXX account from my report if proper verification can not be produced. 
XXXX. Take regulatory action against TransUnion for repeated non-compliance with the FCRA. 

I have attached screenshots from TransUnion showing their final results and account details to support my complaint.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
See attached FTC report and identity verification documents. I have accounts and inquiries listed on my credit file that are unrecognizable and authorized by me. I believe someone has stolen my identity and used it.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed a a collection with Experian because a collection on my report does not represent the balance and the collection agency said that it would also be removed from my report. Experian sent me an email saying that they would not change the information. I provided signed documentation in the form of a PDF to Experian that was from the collection agency stating this debt had been satisfied and was no longer valid. I understand off of this information alone they may not can delete it without talking to the collection agency but they can however show the balance as settled. I am in the process of trying to secure a home loan and I only have so many days to actively get hard inquiries without it hurting my credit to the fullest extent and this collection being satisfied and deleted from my report could be the difference in me obtaining that loan. I do not believe it is ethical to deny someone when I have the supporting evidence to go along with it especially in such a crucial time of my life.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To : Equifax Information Services LLC Dispute Department Subject : Formal Dispute of Inaccurate Payment History under FCRA To Whom It May Concern : I am writing to formally dispute, yet again, inaccurate information being reported on my credit file in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit report, I noticed that my XXXX XXXX XXXX XXXX Credit Card account opened XX/XX/XXXX is reporting a missed payment, which is inaccurate and damaging to my otherwise good credit history. I have never missed a payment on this account, and I have reached out to both XXXX XXXX and your agency to have this resolved, but the error remains uncorrected. Furthermore, the reported missed payment appears to be inconsistent across all three credit bureaus, appearing in different months. I have both XXXX and XXXX reported and they both are inaccurate. 

This constitutes a violation of the FCRA under the following sections : - Section 607 ( b ) Your agency is required to maintain maximum possible accuracy in reporting consumer information.

- Section 611 ( a ) Upon notification of a dispute, you are required to conduct a reasonable reinvestigation and delete or correct any information that is found to be inaccurate or unverifiable.

- Section 623 ( b ) The furnisher ( XXXX XXXX ) is also required to investigate and report the results back to you and to the consumer within the statutory timeframe. 

I am requesting that this error be fully investigated, and either corrected to reflect a perfect payment history or permanently removed from my credit file if it can not be verified with 100 % accuracy. 

Please find enclosed a copy of my government-issued ID, and copies of my credit reports highlighting the error. 

If you are unable to verify the accuracy of this information upon receipt, the disputed entry must be deleted from my credit report under the FCRA. 

Please send me written confirmation of the correction or removal of the inaccurate payment history from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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