vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NY

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 ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-20 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: CA

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 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

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 2025-10-20 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: IN

Complaint narrative:
This is a formal demand for immediate BLOCK AND DELETE of the CREDIT ACCEPTANCE account ( Acct # XXXX ) under FCRA 15 USC 1681c-2.

You are reporting a repossession/derogatory tradeline that is inaccurate, unverified, and legally noncompliant. At no point have you provided any admissible proof of contract, original wet-ink signature, full accounting, or lawful notice of default and sale as required under UCC 9 and FDCPA 809.

No validation = no continued reporting. Your failure to produce documented ownership or chain of title makes this a willful violation of FCRA 1681s-2 and FDCPA 807 ( 2 ) ( A ) & ( 10 ). 

Continued reporting of an unvalidated repossession is defamation of character and reckless negligence. 

You are ordered to immediately CEASE reporting, BLOCK this tradeline from all bureaus, and DELETE it entirely not update, not mark disputed REMOVE IT. 

If you refuse to comply, I will escalate with litigation for damages, file complaints with the CFPB, FTC, State Attorney General, and seek injunctive relief. You are now on legal notice. There will be no further warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or around XX/XX/year>, I opened and account at Citibank in XXXX XXXX XXXX. A few days after I opened the account I went to the bank to find out that they had frozen my account. At that time the the discrepancy was the XXXX XXXX check that I received from XXXX XXXX XXXX in XXXXXXXX XXXX 

The fraud department was contacted. They spoke to the XXXX Of XXXX XXXX, XXXX XXXX. The check for XXXX was cleared and periodically withdrawn. 

Now a month later, as of XX/XX/year>, my account was closed again, stating that there was discrepancy with the same check. 

This is total defamation, accusing me of submitting a fraudulent check. That is in the system. Other banks can look at that and deny me access to any other bank. It can and will effect my credit and ability to borrow. This action has caused me lot of distress. 

This action is clear incompetency of the department. To place in my record that your bank cleared a check over a month ago then come back to say it is fraudulent. Then as of today when I spoke to XXXX XXXX, at customer service, as I showed her the degree of incompetence, she employed me to keep the account open after two closures. 

I need to file a complaint and I need to be informed as to how I can file a civil action for this matter. This will hurt me with banks having access to these unfounded allegations. 

Please advise further as your assistance is greatly needed.

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 2025-10-20 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: NJ

Complaint narrative:
Dear, Experian, Transunion and Equifax According to the court Documents from plaintiff. XXXX XXXX  has sold this account XXXX to XXXX XXXX XXXX, I tried to validate the account but they didnt provided me the information CFPB Complaint XXXX. FDCPA 1692 e ( 8 ), why it is on my credit report. Please Remove this account immediately from my credit report. As XXXX  XXXX failed to produce any documentation but only gave evasive answer. Didnt prove my Specific Debt nor assignments under my name as debt collector. Remove account immediately or I will be filing lawsuits against all 3 Credit bureaus for violating my rights and not their proper investigation and job. I am providing Credit Bureaus 10 days to remove this account from my credit report as actions were not taken in previous complaints. Please see attached court document as the account has been sold and XXXX XXXX  don't hold the ownership. This account is reported as Charged off account after account being sold and Credit Bureaus don't seem to care about consumer rights.

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 2025-10-20 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: NJ

Complaint narrative:
Dear, Experian, Transunion and Equifax According to the court Documents from plaintiff. XXXX XXXX  has sold this account XXXX to XXXX XXXX XXXX, I tried to validate the account but they didnt provided me the information CFPB Complaint XXXX. FDCPA 1692 e ( 8 ), why it is on my credit report. Please Remove this account immediately from my credit report. As XXXX  XXXX failed to produce any documentation but only gave evasive answer. Didnt prove my Specific Debt nor assignments under my name as debt collector. Remove account immediately or I will be filing lawsuits against all 3 Credit bureaus for violating my rights and not their proper investigation and job. I am providing Credit Bureaus 10 days to remove this account from my credit report as actions were not taken in previous complaints. Please see attached court document as the account has been sold and XXXX XXXX  don't hold the ownership. This account is reported as Charged off account after account being sold and Credit Bureaus don't seem to care about consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b'Formal Complaint  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 XXXXnChase Letter Reference: Unable to Verify Cheque dateXXXX XXXX XXXX XXXX XXXX XXXXn \nI am filing this complaint against JPMorgan Chase Bank for failing to release funds from a deposited check that has been held since JXXXX XXXX XXXX   over eight months as of today (XXXX XXXX XXXX.\n \nChase provided me with a written notice on XXXX XXXX XXXX, stating that they were unable to verify cheque details and instructing me to contact the issuing party. Despite my repeated inquiries, the funds have not been released, and Chase has provided no additional documentation, updates, or lawful justification for continuing to withhold the deposit.\n \nThis delay is far beyond the limits allowed by Federal Regulation CC (12 CFR Part 229), which generally restricts check holds to a few business days, or at most a few weeks in limited exceptional cases. Holding funds for more than eight months without a written, case-specific explanation violates both the Expedited Funds Availability Act and federal consumer-protection standards.\n \nRequested Resolution\n \nI am requesting that JPMorgan Chase Bank be directed to:\n1. Immediately release the $1,100.07 being unlawfully XXXX Provide a written explanation citing the legal or regulatory authority (if any) for holding my deposit since XXXX XXXX XXXXn3. Compensate me for the loss of use of my funds if this delay is found to violate Regulation CC.\n \nSupporting Documentation\n \nI have attached the official Chase letter dated XXXX XXXX XXXX, titled Unable to Verify Cheque, showing the deposit amount, check number, and the banks stated reason for the hold.\n \nDeclaration\n \nI affirm that the information provided is true to the best of my knowledge. I am seeking the immediate release of funds that have been unlawfully withheld without regulatory justification.\n \nSincerely,\XXXX XXXX\nXXXX XXXX, CA XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A previously deleted account has been reinserted without proper notice or certification of accuracy. The account (XX/XX/XXXXXX/XX/XXXXXXXX was disputed and deleted from my credit file. It has now reappeared as a charge-off with derogatory payment history. Equifax has not provided documentation verifying the accuracy or a notice of reinsertion, which violates XXXX ( a ) ( XXXX ) ( B ) of the FCRA. I am requesting its immediate removal and documentation of verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to Credence Resource Management through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Credence Resource Management receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : XXXX. ) The Date of First Delinquency ; XXXX. ) The date the account was charged off ; and XXXX. ) The date the account was acquired by or assigned to Credence Resource Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: OR

Complaint narrative:
What Happened On XX/XX/year>, NCB Management Services , Inc. submitted a written response to the Consumer Financial Protection Bureau ( CFPB ) regarding CFPB Complaint # XXXX, stating that the disputed XXXX XXXX  account had been requested for deletion from all credit bureaus and removed from NCBs internal system. 

That statement was false and deceptive. On XX/XX/year>, I received a new collection letter from NCB offering settlement options for the same {$1200.00} XXXX XXXX  account ( NCB File # XXXX ) that NCB previously claimed was deleted. This proves that NCB lied to the CFPB and continued collection activity on a known identity-theft account in violation of federal law. 

Before that, I had already provided NCB with full documentation, including : FTC Identity-Theft Report # XXXX Police Reports # XXXX and # XXXX CFPB Complaint # XXXX DOJ Complaints # XXXX and # XXXX Multiple certified dispute letters ( XX/XX/year> and XX/XX/year> ) Despite having this evidence, NCB ignored its legal duties under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by : Continuing to collect after receiving identity-theft documentation ; Misrepresenting to the CFPB that the account was deleted ; Attempting to collect and potentially report information they knew was false ; Failing to permanently block or remove the fraudulent tradeline. 

These actions violate : FDCPA 1692e ( 2 ) ( A ), 1692e ( 8 ), 1692f, 1692g ( b ) FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681c-2, 1681i ( a ) ( 5 ) ( B ) 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) And constitute a material false statement to a federal agency under 18 U.S.C. 1001. 

This conduct was willful and deliberate, intended to mislead regulators while continuing to pressure me to pay a fraudulent debt that had already been documented as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXXXXXX 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 2025-10-20 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXXXXXX 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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
My account was closed over a violation that they refuse to tell me what it was that I violated. Also numerous occasions had fraudulent charges that they refuse to dispute. My personal account was closed and my business account was closed for unknown reasons they refuse to tell me. I know that I have done nothing wrong.

Company response to consumer: Closed with explanation