vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
I am a twin my brother and i share same birthday. on XXXX i called back after having these issues for almost a month to find out how rude they are.I am writing to express my deep frustration and disappointment with the lack of concern, professionalism, and customer service I have experienced when dealing with the XXXX XXXX  credit bureausExperian, TransUnion, and XXXX. 



First, the repeated use of AI and automated systems that misdirect customers has made it nearly impossible to receive clear and accurate answers. Instead of providing solutions, these systems only add to the frustration by switching customers from one agent to another without resolution. 



At Experian specifically, I encountered employees who were outright rude and dismissive. XXXX and XXXX both treated me with disrespect, offered no meaningful assistance, and displayed a clear lack of empathy toward the issue I was trying to resolve. This type of behavior is unacceptable, especially from an agency that holds such power over consumers financial health. 



Additionally, at TransUnion, I spoke with XXXX XXXX XXXX, who was not only rude but also displayed prejudice in his tone and manner of communication. A manager should be held to the highest standard of professionalism, yet my experience was the complete opposite. 



Consumers rely on the XXXX credit bureaus to safeguard their financial data and to provide fair, accurate, and respectful service when issues arise. Unfortunately, what I encountered was a lack of accountability, poor treatment, and a system that seems to favor deflection over resolution. 



I am requesting that these concerns be formally acknowledged and addressed. No consumer should be subjected to rude, unhelpful, or prejudiced treatment when attempting to resolve legitimate credit concerns. I also urge that better customer service training and accountability measures be put in place to ensure others do not experience what I have.

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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OR

Complaint narrative:
I am submitting this complaint regarding Nissan Motor Acceptance Corporation ( NMAC ) concerning a XXXX satisfaction letter for my inherited vehicle, a XXXX Nissan XXXX XXXX XXXX, XXXX : XXXX. 

I originally requested this lien release in XX/XX/XXXX and received it, but it was lost. I submitted a replacement request at the beginning of XX/XX/XXXX via fax, including court papers showing inheritance, a death certificate, and a copy of the original letter. As of XX/XX/XXXX, I have received no response or confirmation from NMAC despite repeated attempts to contact them.

This delay has placed me in a vulnerable legal and financial situation, as I can not register my vehicle with the state of Oregon without the lien satisfaction letter. I am requesting that NMAC issue the lien satisfaction letter immediately and communicate with me via phone or email. 

I have attached all relevant supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2025, I placed an online order with Best Buy for merchandise totaling {$530.00} ( XXXX XXXX. XXXX ), charged to my My Best Buy Credit Card issued by Citibank , N.A . The order was marked as delivered by the carrier, but I never received the package. On XX/XX/2025, Best Buy canceled the order and confirmed by email that a refund would be processed within XXXX business days. When no refund appeared, I contacted Best Buy on XX/XX/2025 and was informed that the refund was denied based on a delivery photo. The photo provided does not show my residence, displays no house number, and includes no signature or confirmation of receipt. Best Buy then told me I must file a police report to reopen my claim, even though I have no evidence of theft or criminal activityonly a misdelivery by the carrier. 

Believing this charge constitutes a billing error under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, and Regulation Z, 12 C.F.R. 1026.13, I contacted Citibank on XX/XX/2025 to dispute the charge for goods not delivered as agreed. Citi confirmed on XX/XX/2025 that the {$530.00} charge was placed in dispute, no payment would be due on that portion during investigation, and the review would be completed within 90 days. However, I remain concerned that Citibank may rely on Best Buys unverified delivery photo or police-report demand to deny the refund, even though both are inconsistent with federal and North Carolina consumer protection laws. 

Under N.C. Gen. Stat. 25-2-503, 25-2-601, 25-2-509, and 25-2-510, the risk of loss remains with the seller until the goods are actually received and accepted by the buyer. Since Best Buy canceled the order and promised a refund, it has no right to retain the payment. Conditioning refund reconsideration on a police report also conflicts with N.C. Gen. Stat. 14-225, which prohibits false or unfounded reports to law enforcement. I am requesting that Citibank investigate this FCBA billing error, issue a full credit of {$530.00} to my account, reverse any interest or fees, and ensure no negative credit reporting occurs during or after the dispute period.

This complaint is submitted to the CFPB because Best Buys cancellation and refund promise created a binding obligation to return my payment, and Citibankas the creditorhas a statutory duty to ensure correction of this billing error. I am requesting CFPB review and enforcement of my rights under the Fair Credit Billing Act, Regulation Z, and applicable North Carolina consumer protection statutes.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
I see multiple inquiries as well as accounts on my credit reports that I did not open nor authorize.

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 2025-10-08 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: AL

Complaint narrative:
I see multiple inquiries as well as accounts on my credit reports that I did not open nor authorize.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX and Im calling regarding my consumer file. 

I have reason to believe that my personal information was compromised due to the recent TransUnion data breach. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), as it indicates a failure to maintain reasonable procedures to ensure the maximum possible accuracy and confidentiality of consumer data. 

Pursuant to my rights under FCRA 602, 607, 611, and the Gramm-Leach-Bliley Act, I am formally requesting the immediate deletion of any accounts, inquiries, or records that can not be fully and independently verified at the furnisher level. 

Please be advised that failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

Can you confirm that you will initiate an investigation and promptly remove all unverifiable items from my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that chime has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX SSN ( Last XXXX ) : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : CFPB Complaint Kimball , Tirey & St. John LLP/ XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am submitting this formal complaint regarding the unlawful and unverifiable reporting of an alleged apartment balance in the amount of {$3400.00} by Kimball , Tirey & St. John LLP ( KTS ) on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, I submitted a Direct Dispute under FCRA 611 and 623 ( 15 U.S.C. 1681i, 1681s-2 ) demanding reinvestigation and a detailed method of verification. To date, KTS has failed to provide any evidence supporting the accuracy or ownership of this alleged debt. No billing statements, lease agreements, itemized accounting, or documentation verifying liability have been produced. The continued reporting of this unverifiable account violates multiple provisions of federal law, including : FCRA 611 ( 15 U.S.C. 1681i ) Failure to disclose the method and evidence of verification. FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate or unverifiable information. FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Requires written validation of debt before further collection or reporting. 15 U.S.C. 1681n & 1681o Establish civil liability for willful and negligent non-compliance. California consumer protection laws prohibiting continued reporting of unverified debts. By failing to validate or delete this account, Kimball , Tirey & St. John LLP has demonstrated willful disregard for its obligations under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. This failure constitutes ongoing consumer harm by maintaining inaccurate and damaging information on my credit profile. I am requesting the following resolution : 1. Immediate deletion of the tradeline and all related reporting from XXXX, XXXX, and XXXX. XXXX. Written acknowledgment from Kimball , Tirey & St. John LLP confirming that no lawful debt validation exists, rendering this alleged obligation void. XXXX. Confirmation that the furnisher and all related parties have ceased any and all reporting of this account. This complaint is filed in good faith and supported by my prior correspondence dated XX/XX/year>, which was ignored. I respectfully request prompt investigation and enforcement to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because an account reported by XXXX CO ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/year> ) is being shown with a late payment across all three major credit bureaus TransUnion, XXXX, and XXXX despite the fact that this entry is completely inaccurate. The account was never past due, nor was there any missed or delayed payment associated with it. It should not reflect any derogatory activity of any kind. 

Over the past months, I have repeatedly disputed this error directly with the credit bureaus, providing supporting documentation that clearly demonstrates my payment history was consistent and timely. However, the bureaus responses have been dismissive and incomplete. They continue to verify the late payment status without presenting any real evidence or conducting a meaningful investigation. This creates a serious breach of accuracy under the Fair Credit Reporting Act, which requires that all consumer information be verified with the maximum possible accuracy. 

Its extremely concerning that a single incorrect notation especially XXXX suggesting delinquency can so deeply affect a consumers credit standing and financial reputation. This error has caused me distress, frustration, and unnecessary difficulty in maintaining fair access to credit opportunities. I take my payment obligations seriously, and it is disheartening to see that my reliability is being misrepresented due to reporting negligence or automated verification systems that overlook factual details.

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 2025-10-08 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 have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$6900.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$6300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account is invalidly reported and must be taken off my credit report. I never consented to it. Attached are supporting materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Final Dispute and Demand for Deletion XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : FINAL DISPUTE OF CREDIT FILE / FILE # ( Insert File Number if Provided ) To Whom It May Concern : This is my Final Dispute and Demand for Deletion regarding my consumer file maintained by TransUnion. 

After multiple disputes, your agency has failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), and continues to report grossly inconsistent, unverifiable, and inaccurate information. 

I hereby demand the immediate deletion of all unverifiable, outdated, and inaccurate accounts, personal identifiers, and inquiries from my consumer file. 

XXXX. XXXX XXXX Compliance Violations Your reporting contains numerous XXXX XXXX Format violations, including but not limited to : Inconsistent Account Statuses Accounts showing charged off while balances remain reported. 
Incorrect Payment Histories Months marked delinquent without proper sequence or accuracy. 
Outdated and Duplicate Accounts Accounts that should have been purged beyond the 7-year limit ( FCRA 605 ( a ) ) remain on file.

Missing or Contradictory Data Fields DOFD, ECOA codes, and balance fields either missing or incorrect.

Mixed/Commingled Files Multiple name variations, employers, addresses, and phone numbers appear on file without my authorization.

2. FCRA, FDCPA, and TILA Violations FCRA 602, 604, 609, 611, 623 Failure to ensure maximum possible accuracy ; failure to delete unverifiable information ; failure to provide full disclosure. 
FDCPA 807 False representation of the character, amount, or legal status of alleged debts.

TILA 1635 Failure of accuracy in reporting accounts tied to alleged lending obligations.

3. Identity Theft and Data Breach Concerns Given recent XXXX  data breaches, and the clear inconsistencies between XXXX, XXXX, and XXXX  reports, it is evident that my personal data may have been compromised.

Accordingly : Block and delete all disputed information linked to fraudulent or unverifiable accounts ( FCRA 605B ).

Remove all inquiries not tied to active accounts.

Remove all duplicate or variant names, employers, phone numbers, and outdated addresses. My file must reflect one legal name, one current address, and no employers. 

I have been disputing fraudulent accounts and unauthorized inquiries for the past year or more with XXXX. Their repeated data breaches have compromised my credit standing since XXXX and longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management is falsely reporting a collection account in the amount of {$1200.00}, allegedly opened on XX/XX/year>. This account continues to appear on my credit report even though the companys prior CFPB response stated they were unable to identify any record under my name. I have uploaded a current screenshot of my credit report confirming that the account is still being reported. 

If Credence Resource Management can not locate an account in their system, they have no legitimate reason to possess, store, or share my personal information. Continuing to report data that they previously confirmed can not be identified is an active violation of my rights under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act, which requires furnishers to delete or correct unverifiable information. It also violates 15 U.S.C. 1692e and 1692f of the Fair Debt Collection Practices Act, as it is deceptive and unfair to report information without proof of an actual account relationship. 

Credence Resource Management has failed to produce any original agreement or signed authorization from me, has not validated the alleged debt, and continues to misuse my personal data. Their ongoing reporting activity is unlawful and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX I called Chase 's XXXX XXXX XXXX department. It took XXXX hours, but I was able to book a round trip flight from XXXX to XXXX for XX/XX/XXXX - XXXX XXXX. I received a confirmation that my flight was booked on XXXX. 

On XX/XX/XXXX hours before flight departure I attempted to check in. XXXX told me that the outbound flight ( XXXX - XXXX ) was never ticketed. The return flight was ticketed. I can not, however, use a return flight if the outbound flight wasn't used. This meant I could not use any portion of this flight. 

I called XXXX and they said it was a Chase issue and I needed to contact Chase. I spent XXXX hours on the phone with Chase customer service and they said they had no idea why the flight wasn't ticketed but told me I would need to pay a fee if I wanted to get my money or credit back for the amount of the flight. In the meantime I have to book much more expensive last minute airfare to my destination. 

They claimed to issue a ticket that they did not purchase, provided no explanation as to why, refuse to refund the reward or dollar amount, and are requesting I pay a fee to transfer the liability to XXXX if I want to see any of the credit refunded.

Company response to consumer: Closed with monetary relief