vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: ID

Complaint narrative:
I changed my linked bank details on earnin, it went through to my other account. They charged the previous account that they did not have authorization to use! I chatted with them they said that to change accounts I have to write in? It says that no where on there website and it shows the account I changed it to and not my previous account. So they have access to it and it doesnt show on my end. Very sketchy and they cant back up what they say. I want others to be aware of this scam of a company!

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: EQUIFAX, INC.
State: IL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : Account name : # XXXX XXXX  XXXX, has violated my rights. 

I looked at my XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-10-31 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Subject : Complaint Regarding Improper Closure of XXXX XXXX Business Checking Account To Whom It May Concern, I am submitting this complaint regarding the unexplained and improper closure of my business checking account held with U.S. Bank under my company, XXXX XXXX, a XXXX XXXX-registered single-member limited liability company.

Background On or about XXXX XX/XX/XXXX, I received written notice from U.S. Bank stating that my business checking account had been closed, effective immediately. No reason for this closure was provided in the letter.

After contacting the branch manager at XXXX XXXX branch, I was told that the account was closed because the bank had attempted to verify my address by phone and could not reach me. I explained that I was overseas during that period and therefore unavailable to answer calls. Despite this, the account was not reinstated.

I was further informed that U.S. Bank does not allow LLCs to maintain accounts if the owner resides outside the state of registration. This explanation is legally incorrect and inconsistent with U.S. and state law.

Legal and Factual Issues Under New Mexico state law and standard U.S. business practices, an LLC is not required to have its owner reside in the same state where it is registered. The law requires only the appointment of a registered agent within that state, which XXXX XXXX has duly maintained. 

My LLC is fully registered, active, and compliant under both state and federal law, and therefore qualifies for a U.S. business bank account.

Prior to the closure, I had also updated the companys business address through U.S. Banks online banking system, as the address on record was outdated following the appointment of a new registered agent in XX/XX/XXXX. 

Improper Transaction Reversal Requests Following the closure, U.S. Bank requested reversals of XXXX transfers that were made from my business account to my personal account. These transactions were legitimate owner draws, consistent with my rights as the sole member of the LLC. Such reversal requests are inappropriate and unjustified, especially given that the account was already closed.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act, which requires reporting 100 % accurate information. I've have struggled to get approved for auto loans & credit cards due to these negative inaccurate items on my report. This has been a very stressful for time me & my family. These accounts in my attached letter are not accurate and I demand their immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, Chase Bank ( JPMCB ) suddenly blocked my online banking access without prior notice or explanation. I hold both a Chase savings account and a Chase credit card. Since that date, I have been unable to log in or access my accounts.

My savings account has a balance of approximately {$4000.00} that has been held by Chase for over three months. Despite multiple attempts to contact customer service, I have not received any written or verbal explanation regarding why the account was frozen or how to recover my funds. 

On XX/XX/year>, I received an email from XXXX  stating that JPMCB CARD reported a potentially negative delinquent account ( 30 days late ) dated XX/XX/year>. This has caused damage to my credit report even though I was not given any notice or billing access due to the account block.

I believe Chase has acted unfairly by withholding my funds and reporting negative credit information without prior communication or opportunity to resolve the issue. I am seeking regulatory assistance to resolve this matter.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit bureaus are claiming to verify my disputed information, yet they are not providing any proof or documentation showing how the verification was conducted. Their responses appear to rely solely on automated data or the furnishers word, without obtaining original records or valid evidence. This practice does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and results in inaccurate information remaining on my credit report.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This complaint is directly related to CFPB XXXX # XXXX. 
I filed a Regulation E dispute with Chase on XX/XX/year> for several unauthorized debit-card transactions totaling {$2900.00} from offshore social-casino merchants. Chase issued provisional credits on XX/XX/year>, then closed the case on XX/XX/XXXX, reversing those credits only XXXX business days laterwell before completing any reasonable investigation. 
On XX/XX/XXXX around XXXX XXXX XXXXapproximately XXXX hours after I re-asserted my disputeChase suddenly locked my account for suspicious activity. The lock occurred in an overnight batch window, not during any new transaction, and prevented me from accessing my funds or viewing statements. 
Within minutes, Chases systems automatically revoked data-sharing permissions for more than a dozen linked services ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ). I called the number provided ( XXXX ), but representatives said they could not unlock the account or provide a reason. 
XXXX fraud system did not act when the actual unauthorized charges occurredincluding XXXX successful payment after multiple blocked attempts and an invalid XXXXbut acted only after I exercised my dispute rights. This sequence suggests the restriction was administrative or retaliatory rather than a genuine fraud-prevention measure. 
As of XX/XX/XXXX, I still can not access my funds, including the provisional credit that Regulation E 1005.11 ( c ) ( 2 ) ( ii ) requires to remain available during an investigation

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 information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: ME

Complaint narrative:
To Whom It May Concern, I am filing this complaint against the below-listed furnishers and the credit bureaus for failing to maintain accurate and verifiable information as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the reporting agencies and furnishers have continued to report false and unverifiable data that severely impacts my consumer rights, credit reputation, and financial standing. I am demanding a full investigation, deletion, and correction of these items according to 15 U.S.C. 1681i and 1681s-2 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Never lived or received mail here, no lease, bill, or ID linked to this address. Keeping it violates 607 ( B ) which requires maximum possible accuracy. This must be permanently deleted as unverifiable. 

XXXX XXXX XXXX XXXX, TX I have no history or records connected to this address, and no verified proof supports it. Reporting such false address breaches XXXX ( A ) requiring correction of inaccurate data. Remove this immediately from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$9000.00} Reported as a charge-off without signed agreement or payment record linking me to the debt. Under 609 ( A ) and 623 ( A ), unverifiable accounts must be deleted. The continued listing is inaccurate and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$930.00} This account was never validated with original application or billing statement. Failure to provide such proof violates 611 ( A ) ( 5 ) and 607 ( B ). Delete this unverifiable and unsupported item immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late payment information is false and no record was given proving delinquency. This violates 602 ( A ) and 623 ( A ) as incomplete and inaccurate reporting. Delete or correct this account at once. 

As a consumer under the protection of the FCRA, I am requesting that the CFPB review this matter, hold the responsible entities accountable, and compel them to immediately delete or correct all inaccurate data. Failure to comply with the legal requirements of the FCRA demonstrates willful noncompliance under 616 and 617, for which the responsible parties are liable. 
I respectfully request an immediate investigation into these violations and confirmation of corrective actions.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
These account are close and they are still reporting on my credit report and its effecting my score

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