vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENTAGON FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I began receiving notifications that disparaging information was appearing on my credit report form PenFed. I looked at my latest statement from XXXX and it suddenly showed a XXXX cent balance, and the account was in a charge off/closed state. I looked back through XXXX months of statements, and it showed a XXXX balance due. When I finally spoke to someone, they claimed that it was XXXX cents for something back in XXXX of 2024, but no amount was ever requested. All statements show {$0.00} due, and no contact or any type of correspondence has ever occurred on this account, either asking for/demanding the XXXX cents due, or explaining what happened. Additionally, the account had auto-pay enabled for at least the minimum amount due, and there was over XXXX  XXXX in the checking account from which auto-pay could have sourced funds. They did not auto-pay the XXXX cents, because the balance showed XXXX. I spent XXXX months trying to get this resolved on all three credit ratings, which finally was resolved, but I was damaged in public because of their actions. Additionally, even though I never violated the terms and conditions of the account, they refused to reopen it after they admitted it was a mistake and waived the erroneous XXXX cents and charge-off. 

The company refuses to provide me any details in writing about the debt owed, or what happened that caused the issue. I tried to work internally with the organization but they are refusing to work further with me and restore me to the same position I was in before. The closing of the account, for which I had not violated the terms and agreements, and always paid with auto-pay or on demand when asked, was itself a violation of the contractual requirements to notify me if they are planning on closing the account with adequate notice, since I had not mishandled it in any way. The closing of the account re-aged my oldest accounts on my credit report and will cause me long-term damage. Even if the charge-off was reversed as the closing status. At this point, I have no choice but to bring this matter externally.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
Upstart account on my credit report has been paid in full but Upstart is reporting false and wrong information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
Caine & Weiner is reporting a {$76.00} collection account on my XXXX credit report, opened on XX/XX/year>. However, there is no original creditor listed only Caine & Weiner is repeated in both fields. I have no knowledge of what this debt is for, and I was not notified or given any documentation to verify it. 

I believe this may be linked to a previously disputed XXXX  account, which has already been submitted for investigation via CFPB ( Complaint ID XXXX ). However, since this account is reported without context or clarity, I can not confirm its validity and have no way to dispute it through normal credit channels. 

I request that this collection be deleted from my credit file unless the company can provide full verification of the debt, including the name of the original creditor, date of origination, and proof of obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NJ

Complaint narrative:
A hard inquiry was published to my account on XXXX XXXX from XXXX XXXX that was posted to my TransUnion and Equifax account. I did not authorize this hard inquiry as I did not apply for a XXXX XXXX account and have never had a XXXX XXXX account. I reached out to TransUnion and they were able to immediately report the hard inquiry and remove it towards my account whilst Equifax required me to reach out this way to get it removed. The only other way to get this removed from Equifax was through mail by mailing out my SSN and mailing info which I did not feel comfortable with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-21 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: CITIBANK, N.A.
State: NE

Complaint narrative:
XX/XX/XXXX CITIBANK XXXX responded back to me after I was working with XXXX XXXX XX/XX/XXXX on this unauthorized account that is on my credit report. I am submitting this follow-up complaint to document the actions Ive taken regarding the Citibank account that was fraudulently reported under my name.

Citibank has confirmed in writing that I was added as an authorized user on the Citi XXXX account on XX/XX/XXXX, and that I was removed on XX/XX/XXXX. They acknowledged that they reported the account to the credit bureaus with my name but also stated that authorized users are not contractually liable. 

Despite my removal, this account remains on my credit reports, and the historical data associated with it continues to negatively impact my credit score. I did not authorize the addition of my name to this account and have no financial responsibility for it. I believe this was done without my consent, potentially as part of broader identity misuse.

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 2025-06-21 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 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 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

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I don't know this company. I have ask to properly verify debt according to texas laws. If this is a collection agency I am requesting thr name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
A hold was placed in my savings account from the JP Morgan Chase Bank legal department back on XX/XX/year>. They removed {$120.00} and later placed a hold on my checking. The problem was resolved. The hold was removed but the bank has not returned the money back into the savings account. It continues to be {$0.00} and it may close due to no funds within 60 days. I have contacted branch bank, headquarters, legal department. Everyone does not know what to do and keep providing the run around. It has been XXXX weeks and the money has not been returned. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-21 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: VA

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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays deleware bank fraudulently requested a copy of my credit report when Ive never reached out to them before. I live in new york and now I am filing a complaint to have this inquiry removed off of my credit report. I have never reached out to them in any capacity for a credit card and have absolutely no reason to provide them a copy of my credit report. I froze my credit so they can not access my 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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX I have been a JPMorgan Chase Sapphire XXXX for the last XXXX to 10 years last XXXX digits on card XXXX. On XX/XX/XXXX I made a transfer of rewards XXXX ( value over {$6000.00}. ) Points from my chase account to XXXX XXXX. I was notified the next day via e mail that the transfer did not go through. I contacted customer service and was told there was a system era. ( Not True it was a security issue that I was not notified about ) The rep proceeded to transfer the points again and told me the transaction went through you should see it when Chase updates there system. ( Not True ) On Tuesday XX/XX/XXXX my wife was at XXXX where my chase card is on file. My wife was picking up medication for me. My card was shut off and rejected with no reason with XXXX notification from Chase no e mail no phone call. My wife was extremely embarrassed. At XXXX pm after the card was shut off I received an email to contact Chase security team. I was told the XXXX points still didnt go through it was pending due to a security issue. They had me on the phone for XXXX minutes asking me a variety of security questions. At the end of the conversation the security rep promised me he would extradite the points. ( not true again ) its been XXXX days since that conversation and still the points have not been transferred. I have contacted JP Morgan Chase customer service no less than XXXX times O have sent an email to Chase executive committee committee no response Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> & XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> & XXXX XXXX XX/XX/year>

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 2025-06-21 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: NJ

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Equifax, Experian, and TransUnion under XXXX XXXX   Account # XXXX XXXX XXXX. Despite my formal disputes submitted on XXXX XXXX and XXXX XXXX, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of the two inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$5000.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$5000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

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 2025-06-21 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: NJ

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Equifax, Experian, and TransUnion under XXXX XXXX   Account # XXXX XXXX XXXX. Despite my formal disputes submitted on XXXX XXXX and XXXX XXXX, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of the two inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$5000.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$5000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
My identity was stolen and I have no history of conducted business with Credence Resource Management ( {$2500.00} ). 


This account has damaged my credit report and I have never had dealings with this company or it's affiliates.

Company response to consumer: Closed with non-monetary relief