vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against the credit reporting agencies and the following furnishers for reporting false, inaccurate, and unauthorized information on my credit report. These errors are causing me financial harm, denial of credit, and emotional distress. The information being reported is not accurate, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transactions Act ( FACTA ), and the Consumer Financial Protection Act of XXXX. 
WRONG ADDRESSES REPORTED : XXXX XXXX XXXX XXXX, CA XXXX Wrong Address According to FCRA 609 ( a ) and 611, I have the right to dispute any information that I believe is inaccurate or incomplete. The following accounts and inquiries are either falsely reported, unauthorized, or incorrect, and must be immediately verified or removed if proper documentation can not be provided ACCOUNT DISPUTES : XXXX XXXX Late Payment High Balance {$60.00} Date Opened : XX/XX/XXXX Same issue : this late payment status is inaccurate and must be corrected immediately as I have always paid on time. Please verify or remove the negative mark under FCRA 611 ( a ).

REQUEST FOR CFPB ACTION : I am requesting that the CFPB initiate a full investigation into the reporting practices of the furnishers and the credit bureaus. I demand the removal of all false addresses, the deletion of all unauthorized inquiries, and the correction or deletion of all inaccurate account data. Each bureau should provide proof of verification within 30 days, as required by FCRA 611 ( a ) ( 1 ).

If the credit bureaus and furnishers fail to comply, I request that the CFPB hold them accountable under FCRA 616 and 617, which allow for civil liability and statutory damages for willful noncompliance.

Thank you for your time and assistance. I trust the CFPB will ensure that my consumer rights are protected and that all inaccurate information is promptly corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX has been reporting my account as Charge-Off ( CO ) every month since XX/XX/XXXX through XXXX. 
Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, a charge-off can only be reported once at the time the account is charged off. 
Continuous monthly charge-off updates are inaccurate and misleading, as they artificially extend the negative impact of the account on my credit history. 
I request that XXXX correct this reporting by removing the repeated monthly CO notations and reflect a single, accurate charge-off event dated XX/XX/XXXX. 

This repetitive reporting misrepresents the actual status and violates XXXX XXXX guidance and Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which prohibits furnishing inaccurate or misleading information to consumer reporting agencies.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I submitted a timely Validation of Debt request to MIDLAND CREDIT MANAGEMENT INC regarding Account Number : XXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$920.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, MIDLAND CREDIT MANAGEMENT INC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America terrible online and mobile app service. Account inaccessible after certain time or specific browser. Rejected my XXXX XXXX transfer of funds to the Bank of America bank account then stated no block is on their end when XXXX told me it says bank rejected. Upon opening account seamless set to Digital wallet was available and then days later it disappeared as an option. Now I still have to wait another week to receive my first physical card.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
FAILIURE TO PROVIDE statutorily required written notice of negative reporting ( 15 U.S.C. 1681s2 ( a ) ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Kikoff Inc.
State: TX

Complaint narrative:
I am filing this complaint against Kikoff Lending LLC for reporting inaccurate late payment information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ).

Account Reported : KIKOFF LENDING LLC CL Date Opened : XX/XX/year> Balance : {$70.00} Reported as Late Payment. 

This reporting is false and misleading, as I have never made any late payments on this account. I have disputed this information with the credit bureaus, but it remains unchanged. Reporting inaccurate payment history violates FCRA 1681e ( b ) ( accuracy requirement ) and 1681i ( a ) ( failure to correct disputed data ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 recently opened a Citi Strata credit card account. Shortly after approval, Citibank contacted me requesting that I complete and submit IRS Form 4506 for income verification. I complied promptly, signed the form, and sent it back as requested. At that time, a Citi representative also informed me that my annual fee for the first year would be waived.

After submitting the form, I called Citibank to confirm its accuracy because I was concerned I might have marked the wrong field. The representative reviewed the form and assured me that everything was correct, so I did not submit a corrected version.

A short time later, I discovered that Citibank had closed my credit card account without any prior notice or clear explanation. When I contacted customer service, they refused to provide a specific reason. Based on the timeline, I believe one of two things may have happened : Citibank closed my account despite verifying that my information was correct, or Citibank mishandled or misfiled my form and closed the account because of an internal error.

Either scenario suggests that my account was closed unfairly and without giving me the opportunity to correct or clarify the situation.

Furthermore, I feel that my treatment throughout this process may have been influenced by discrimination based on my South American origin. I was not given the same level of respect, transparency, or assistance that I believe other customers would receive in a similar situation. The lack of communication and abrupt account closure have caused me emotional distress and harmed my credit experience.

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 2025-10-30 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: U.S. BANCORP
State: MI

Complaint narrative:
Here is what happened to me : Early Monday morning, XX/XX/XXXX, I made a reservation with XXXX to XXXXXXXX XXXX Carolina for XX/XX/XXXX til XX/XX/XXXX as our family vacation. This was a rental property, and the money paid showed as 3 different charges. 
XXXX. {$62.00} to XXXX XXXX. {$160.00} to XXXX XXXX. {$1200.00} to XXXX XXXX Wednesday morning, XX/XX/XXXX I was following the news for hurricane XXXX, and after they were saying it's dwindling and dissipating, it took a turn for the worse. A mandatory hurricane evacuation was issued for XXXX XXXX, including XXXX, NC, XXXX XXXX closures prevented travel to and from the area. This was a government-declared emergency, and access to the property was physically impossible due to flooding and safety restrictions. 

I contacted the merchant on Wednesday XX/XX/XXXX to cancel the reservation and explain the situation but they refused to issue a refund, citing a no cancellation or refund policy. I then on Friday XX/XX/XXXX filed a dispute with my credit card company [ U.S. Bank ], but the dispute was denied despite clear evidence that the service could not be provided. 

The merchant has a dispute team that appeared focused solely on defending the charge, rather than reviewing the facts fairly. My evidence of the evacuation and government travel restrictions was ignored, and the merchant refused to consider that they were unable to provide the service at all. 

I also purchased XXXX travel insurance, and I filed a claim for this canceled trip due the mandatory hurricane evacuation. However, the claim was denied on technicalities. 

The credit card issuer has since reversed the temporary credit and re-applied the full disputed amount to my account, leaving me responsible for paying a charge for a service that could not be provided. As a result, I am now required to pay for a trip that was impossible to take due to government evacuation orders. I am therefore proceeding with the necessary next steps to seek a fair and lawful resolution of this matter.

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 2025-10-30 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 recently opened a Citi Strata credit card. Soon after getting approved, Citi asked me to fill out and send IRS Form 4506 for income verification. The representative also told me that my annual fee would be waived for the first year.

I filled out, signed, and sent the form. Later, I called Citi because I thought I might have made a small mistake on it. The representative looked into it and told me everything was fine, even though I now know I checked the wrong box.

Not long after that, Citi closed my account without giving me any notice or clear reason. When I called customer service, no one could explain why it happened or whether it had to do with the form. Based on what I was told, either Citi closed my account even though they had verified my information, or they made a mistake with the form and didnt let me fix it. 

This has been frustrating and confusing. I feel like I wasnt treated fairly or given a chance to resolve the issue. 

I also believe I may have been treated differently because of my XXXX XXXX name and my religion. I felt that the representatives were dismissive and unhelpful compared to how they treat other customers. Im worried that my background could have influenced their decision or how my case was handled.

I would like the CFPB to look into : Why Citi closed my account after confirming my information. 

Whether there were any internal mistakes with my form. 

Whether I was treated unfairly or discriminated against. 

Whether Citi followed fair lending and consumer protection laws.

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