vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
THis account was resolved with XXXX XXXX XXXX XXXX call for confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AR

Complaint narrative:
Issue : I am disputing a tradeline from XXXX XXXX XXXX that is being reported by TransUnion. This tradeline is unverifiable and inaccurate for the following reasons : 1. No XXXX XXXXXXXX tradeline exists on my TransUnion report. The alleged original creditor does not appear anywhere not in open or closed accounts. 


2. XXXX deleted the XXXX tradeline following a prior dispute, indicating it was unverifiable or improperly reported. 


3. I have never received any documentation from XXXX or TransUnion validating this alleged account. 


4. I requested a proper investigation, but TransUnion continues to verify the account without providing : A copy of any contract or billing statement with my name Any account-level documentation A clear Method of Verification ( MOV ) response This appears to be a violation of FCRA 611 ( a ) ( failure to reasonably reinvestigate ) and 607 ( b ) ( failure to ensure accuracy ). XXXX may also be in violation of 623 ( b ) for verifying data they can not substantiate.

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 2025-09-17 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: NJ

Complaint narrative:
I have two companies that are trying to collect on the same bill Prince Parker and XXXX XXXX XXXX  are trying to collect for XXXX XXXX XXXX balance {$3200.00}. Its showing on my credit report that I owe two bills when I do not. Asking for appropriate action to be taken because I did not owe these two companies anything

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 2025-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX XXXX, dispute the accuracy of the following account on my Equifax credit report : Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off Balance Reported : {$180.00} Date Opened : XX/XX/XXXX Dispute Points : Balance {$180.00} still reported after charge-off should show {$0.00} or transferred/sold. 

Illegal re-aging : repeated CO updates from XXXX. 

Highest balance {$250.00} exceeds {$200.00} credit limit.

Balance conflicts with charge-off status. 

Last payment XX/XX/XXXX, yet account updated as derogatory in XXXX. 

XXXX confirmed debt transferred to XXXX, yet XXXX still shown as creditor with balance. 

Name mismatch noted by XXXX identity verification fails. 

Laws Violated : FCRA 609611 : right to dispute and reinvestigation.

FCRA 623 : prohibition of false/unverifiable info.

FCRA 605 : accurate reporting of dates, deletion of obsolete data. 

Action Required : Verify this account with proper documents ( application, contract, full payment record, and transfer/sale proof ) or delete it. Provide verification evidence if not deleted. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant & Weber
State: LA

Complaint narrative:
I am writing in direct response to your denial of my request to block fraudulent information from my credit report under 15 U.S.C. $ 1681c-2 ( FCRA S605B ).

Specifically, XXXX Credit Bureau sent me a letter after only 2 days of disputing. Suggesting that my request was either made in error or unsupported. That is not the case. These accounts are the result of identity theft. I never authorized them, did not receive goods, services, or money from them, and therefore they must be blocked immediately in accordance with federal 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 2025-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Complaint Against : [ Debt Collectors Name ] Issue : False debt reporting by a collector I have never done business with. 

Details of Complaint : I am filing this complaint because a debt collector is reporting a debt in my name that does not belong to me. I have never done business with this company, nor have I ever opened or authorized any account with them. I am not aware of this debt, and I dispute it in its entirety. 

This account is false, inaccurate, and fraudulent. Despite this, the debt collector has reported it to the credit bureaus, damaging my credit and violating my consumer rights. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a collector must provide proper validation of a debt upon request. They have failed to provide proof that this account is mine. Furthermore, continuing to furnish this unverified information to the credit bureaus violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Requested Resolution : I request that the CFPB investigate this matter immediately.

Require the debt collector to provide full documentation proving I am legally responsible for this debt ( such as an original signed agreement ). 
If no such proof exists, require the debt collector and credit bureaus to delete and remove this false account from my credit reports. 
Provide written confirmation of the deletion. 

This inaccurate reporting is causing me financial harm, and I need urgent resolution. 

Consumer InformatioXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX circle XXXX XXXX XXXX fl, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I disputed a tradeline with Equifax ( Creditor : XXXX Account ending [ XXXX ], Balance {$700.00} ). 
XXXX XXXX XXXX investigated the same tradeline and both found it UNVERIFIABLE/removed it ( see attached dispute results ).

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), if information can not be verified, it must be promptly deleted.

Equifax continues to report this unverifiable derogatory account.

I request immediate deletion of this tradeline, written confirmation of deletion, and that the furnisher be required to notify all nationwide CRAs of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-17 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I've tried several times on several different phone numbers but am not able to make contact with anyone. I am only getting recordings that keep going in circles. Experian is Reporting that i had a late payment or some type of discretion and i am not able to speak to anyone via phone because of a recording. It dropped my score by 34 points and i need this resolved asap.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On a recent pre-trial hearing held via XXXX in XXXX XXXX, Florida, LVNV Funding LLC ( through XXXX XXXX XXXX ) is suing me for a debt I do not recognize. During the hearing, I clearly stated that I have never signed any contract with LVNV Funding LLC or with XXXXXXXX XXXX XXXX. I denied the alleged debt and requested to speak with a judge. The Plaintiffs attorney suggested it might be identity fraud ; I responded that I do not know, but I do know I have never signed a contract with the Plaintiff or the alleged original creditor. The matter was then set for trial on XX/XX/year>. 

Critically, on XX/XX/year>, I sent a written debt-validation request to LVNV Funding LLC and their counsel pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I requested : ( 1 ) a signed agreement bearing my signature, ( 2 ) the complete chain of assignment/ownership from the original creditor, and ( 3 ) an itemized accounting. To date, I have received no response and no validation at all. Despite this, the collector has continued litigation activities, which I believe violates 1692g ( b ) because collection must cease until verification is mailed to the consumer. 

These actions are misleading and abusive, cause confusion, and have created severe emotional and financial hardship for my household. I am a XXXX mother caring for a child XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
b'I wired XXXX from My checking account at a XXXX XXXX location in XXXX  NJ to a car company for a purchase. XXXX XXXX 2025  XXXX XXXX XXXX XXXX XXXX dealer of vintage cars XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  IA XXXX  Ph XXXX XXXX.Wire was sent to XXXX XXXX XXXX XXXX in  XXXX  Ca but had same phone number.\nI believe now this is scam company but what I finding out after the wire was sent. I went to the My XXXX XXXX and asked for a kill process of the wire they said they could not Wells Fargo Bank it was sent to at the Ca address had received by it has not posted. I called that Bank Wells Fargo same day about 6 hours later  and asked them to place a  hold on that money wire till this get figured out. They Wells Fargo said they could not do that to help me out.'

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I deposited {$1900.00} into a citibank atm and the machine malfunctioned on XX/XX/year>. I have yet to gain access to my money since.

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 2025-09-17 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Coinbase, Inc.
State: TX

Complaint narrative:
My Coinbase account was liquidated even though I had sufficient collateral in XXXX. My account balance never entered liquidation, yet my funds were removed. I have proof ( statements, screenshots, transaction logs ) that liquidation should not have occurred. Coinbase has not resolved this through support. This involves my life savings, and I request immediate review and resolution. 
In Panic mode after seeing my balanced i locked my account and now my account has not been unlocked after submit documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
On XX/XX/year>, Citi closed my Citi XXXX XXXX account ending in XXXX without any advance notice. In its XX/XX/year> response to CFPB XXXX # XXXX, Citi claimed closure letters were mailed that day. I never received any notice by mail, email, or phone, and Citi has refused to provide proof of mailing or delivery. The only way I discovered the closure was when my card was declined at the point of sale. This is not a minor oversight it is a denial of fair notice that left me unable to protect my credit, request reinstatement, or take any timely action. 

I want the CFPB to publish this description on consumerfinance.gov so others see how Citi treats customers. I consent to publication after the CFPB removes personal 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 explanation
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$38000.00}

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: ND

Complaint narrative:
I had an available credit of {$1800.00} ( 86 % ratio ) after making on-time payments for years, and today they suddenly decided to lower my limit from XXXX to XXXX to make sure my ratio went from 86 % to 97 %. How is anyone supposed to lower their total credit utilization if the banks just keep lower your available credit limit on a card that I have not even used to make a payment with this year. These banks are trying to keep our credit utilizations high so they can continue charging high interest rates. They never lowered my limit over the last XXXX years when I was barely able to make payments and obviously struggling, they kept the limit high so I could continue to make payments, and then turn around and make purchases and continue to pay interest. However, now that I have stopped using the card to make purchases in that manner, and paying that balance down to lower my credit utilization, the bank sees fit to lower that limit.

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 2025-09-17 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-17 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: MD

Complaint narrative:
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

2. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from 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 2025-09-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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