vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
Subject : Request to Correct and Delete Inaccurate Personal Information Legal Basis : FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( 15 U.S.C. 1681e ( b ), 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ) ) Dear TransUnion XXXX Department, I am requesting correction of inaccurate and outdated personal identifiers in my TransUnion credit file. To comply with FCRA 607 ( b ) ( maximum possible accuracy ), please update my file to show only the correct information below and delete all obsolete or inconsistent entries. 
Correct Information Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Current Employer : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
On XXXX I was advised my Marcus of Goldman Sachs that my account was fraudulently accessed and a hold was being placed. When Scammers access my account they changed my secret password. I tried to work with Marcus to resolve this but got nothing but excuses, misrepresentation, misinformation and lack of consideration. I've spent many hours and spoke with countless representatives at Marcus who do nothing but ignore my problem. All I want to do is transfer my funds from Marcus to my XXXX account. I never want to deal with Marcus and file comtempt charges after resolving. I am a XXXX yr. old XXXX XXXX veteran and I don't appreciate whats happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: WA

Complaint narrative:
I previously held a checking account with KeyBank. I deposited a check that was later returned unpaid. After that, I deposited another check from my uncle, who does not have a bank account and wanted to avoid check-cashing fees. That check was valid and covered my previous negative balance. 

However, soon after, a KeyBank representative informed me that I needed to provide proof of my relationship to my uncle, which I found unreasonable since the check was legitimate and properly endorsed. Around the same time, my direct deposit was processed into my account, but the bank refused to release those funds to me. Shortly after, KeyBank closed my account without providing a clear explanation. 

I have made multiple attempts to contact the bank for clarification or resolution, but each time I am told that no one has information or authority to assist me. As a result, I have been left without access to my deposited funds and without a fair explanation for the account closure. 

I am requesting that this matter be investigated and that my funds be released to me, or that I receive a detailed written explanation of the banks actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Today I received a XXXX XXXX  package with the attached letter I immediately called the number and explained that I had called numerous times last week and no one would help me. This woman said " well you are in a settlement so we can't change that to better suit your needs : call back in a month after it has gone to collection and we will see if you qualify for the forbearance program I said how about now- I am XXXX soon to be XXXX with XXXX XXXX I was in the hospital again and when I came home last week I immediately called. 
Sorry we can't help you call in 30 days I am furious that they have allowed to do this and no one and I mean no one makes them stand up to their ethical and moral obligations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: CO

Complaint narrative:
I have been getting persistent, harassing phone calls from a collection Company Drb LLC based in XXXX from a masked local phone number XXXX. They are trying again to collect on a debt ( s ) whose XXXX has long expired and Or have already exceeded the 7 year statutory mark based on the 1st date of delinquency. I am confident that they have procured these debts from other Collection companies that have been reprimanded and now are trying their last straw with 3rd parties in lieu of skirting around the Cease And Desist order that was levied upon them. This CAD order should also extend to Drb LLC by proxy. 

I demand an immediate Cease and Desist action and all communication to cease forthwith. These Collection agencies are using shady tactics and they will be held to account as this immoral action will not go unabated. We intend to bring a legal painful action if they continue with these shady and unlwaful tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I sent a fax yesterday XX/XX/2025 to Pressler , Felt & Warshaw , LLP ( PFW ) requesting proof of NJ Supreme Court documents providing the supposed Docket Number listed on the letter they sent me requesting payment on XXXX called Pressler , Felt & Warshaw , LLP ( PFW ) today, XX/XX/2025, at their tel # XXXX, provided file # XXXX, spoke to a rep who confirmed that my fax was received. The rep proceeded to demand payment on the settlement of {$1600.00} they noted within the letter. In the fax that I submitted to them, I noted how I have paid to date : {$6900.00} via their online portal. Their online portal does not even indicate the total amount of debt that was owed so it seems as if these payments are being made to an infinite account. I asked the rep to provide further proof of the NJ Supreme Court docs bearing the XXXX XXXX they posted in the debt collection letter, and they dropped the call on me. I waited XXXX minutes, called them back, and again, the call was dropped. If this was indeed a threatening tactic, to falsify court documents and create a XXXX XXXX to put fear in my XXXX after all this time, I wish to seek legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
Please check the timing on this entryit might be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
am filing this complaint against Flex Finance ( GetFlex.com ) for wrongfully suspending my account and refusing to reinstate it even after I provided proof of my bankruptcy discharge. 

I have been a long-time, reliable customer who uses Flex to manage rent payments. My Flex account was suspended close to my rent due date, which caused serious financial and emotional distress especially as I am on XXXX income and depend on this service for housing stability. 

Flex claims the suspension was due to a bankruptcy notice reported by XXXX  or public records. However, I have already received my official discharge letter, which legally clears me of prior debt obligations. Despite providing this documentation to Flex, they have failed to reactivate my account, leaving me unable to use the service Ive maintained in good standing for years. 

Their actions are discriminatory, negligent, and unfairly punitive, particularly given that : The bankruptcy has been fully discharged. 
I have provided documentation proving eligibility for reinstatement. 
The suspension timing has caused extreme difficulty in paying rent and managing basic living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was charged an unreasonable {$240.00} in interest due to a one-day payment delay caused by interbank processing, not by my own negligence. My payment was sent before the XX/XX/XXXX due date but was posted on XX/XX/XXXX. Despite always paying my balance in full, American Express charged me XXXX months of interest because the XXXX XXXX XXXX ( POT ) feature was automatically enabled without my consent. 

I never opted in to the XXXX XXXX XXXX program and was not properly notified that it had been activated on my account. As a result, my entire balance was treated as a revolving balance, generating excessive interest charges for just XXXX days delay. 

I contacted American Express multiple times to resolve this, but they refused to waive the interest. They offered a partial {$50.00} refund, which I declined because this is not about the amount but about the unfair and unauthorized practice. Their handling was dismissive and unprofessional, and no formal case reference or complaint confirmation was provided even after repeated requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-29 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: SC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid in full {$130.00} a long time ago to XXXX XXXX XXXX but the company was still reporting me to TransUnion until this date to that i was still owed them {$130.00}, until disputed a few days ago, TransUnion they corrected that collection and put a balance to XXXX, but that company does not want to remove that collection account on TransUnion and yet i paid in full that amount a long time ago. So i am requesting you to help me delete that collection account that is said " open '' and yet i do not owe that company a penny.

I also called TransUnion to remove that account they said though it said XXXX balance, they will still investigate and yet they just investigate and found out that i have already paid in full.

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 2025-10-29 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:
I was an authorized user on a XXXX XXXX XXXX credit card issued by Citibank. In XX/XX/year> I received a letter from Citis XXXX XXXX XXXX stating that, the manner in which you have been making payments on the account could be seen as an effort to circumvent record keeping and reporting requirements. 

This language is confusing and distressing because : ( XXXX ) I have made only an occasional small purchase ( most recently a single gasoline transaction ). 
( XXXX ) I have not made any payments on the account in months, and neither has the primary cardholder. 
( XXXX ) Citi nevertheless closed the relationship and declined a later credit-card application, saying this was a business decision. 

I have an excellent credit history ( credit score around XXXX ) and have never been accused of or involved in any fraudulent or suspicious activity. Citis letter provides no concrete reason, and customer service confirmed that no further review is available.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : 1. KIKOFF Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
XXXXm writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : XXXX. XXXX Account XXXX : XXXX XXXX. ONEMAIN Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
This false listing undermines the accuracy of my credit file. Kindly investigate and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
These accounts are not mine and must be deleted in 15 days following USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my 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 explanation
Consumer complaint received 2025-10-29 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:
Could you assess this entry? Its showing as late and might not be correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
This letter serves as formal notice to dispute the following inaccurate items on my Equifax credit report. These items are not in compliance with Metro 2, FCRA, or FDCPA.

INACCURATE ACCOUNT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect reporting of delinquency in XXXX not supported hereindicates inconsistency. 
XXXX XXXX Ensure all dispute comments and statuses are compliant with XXXX XXXX and XXXX XXXX is accurate. 
XXXX XXXX XXXX XXXX XXXX-bureau inconsistency in Payment History profile. 
INACCURATE INQUIRIES NOT TIED TO ANY OPEN ACCOUNT : The following inquiries do not align with any active, positive tradeline and predate XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations Cited : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ) Metro 2 Reporting Noncompliance Equifax Data Breach ( XXXX ) FDCPA 807 UCC Article 9 Please conduct a reasonable reinvestigation and delete or correct any unverifiable or noncompliant items. You must respond within 30 days per FCRA.

Company response to consumer: Closed with non-monetary relief