vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Wednesday XXXX XXXX approximately XXXX. 
Went to an authorized ATM for Navy Federal Credit Union in XXXXXXXX XXXX to deposit funds. The ATM is XXXX XXXX XXXX. Navy Federal doesnt have branches in XXXXXXXX XXXX. I deposited XXXX cash to deposit into my navy federal checking account but the atm malfunctioned and was returning my money through the atm. I only got XXXX dollar bill back it ate my XXXX. Navy federal said I had to file a claim and wait XXXX or more day to get my money back. But Im a XXXX XXXX living off a small pension and that money they stole had to pay my bills. They never warned me this can happen. Im out XXXX to pay my electric bill. They told me to deposit money at this bank. I cant wait a month. XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I recently checked my credit report and saw personal information reporting that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have been charged over {$3400.00} from in app purchases that I have never made. My bank, XXXX, and the app have all refused to help me. I can not pay my bills and am about to lose my car and apartment. I would never have paid MORE than I MAKE to a ridiculous app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was a chase free unlimited credit card opened XXXX. On my credit report it shows that I am an authorized user on this account. I do not have any clue how this could be ; I was born XXXX so I would have only been 5 months old when this account was opened. I do not have any family that has admitted to opening this account so I do not know how this could be connected to me unless it was connected to me in error. currently this card has about a {$33000.00} dollar limit with {$14000.00} dollars used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX  bankruptcy case, indicating their belief that XXXX  may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and XXXX XXXX. 

My Background I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX XXXX XXXXXXXX and was frozen on or around XX/XX/2024, without warning. 

The Harm I Suffered When my account was frozen, I had {$89000.00} in the account. Since then, I have recovered {$9300.00}, leaving {$80000.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : I was unable to buy groceries or pay for basic necessities or pay my employees and manage my business, putting my entire livelihood in jeopardy. I also experienced severe anxiety and distress due to the sudden loss of access to my savings. This led to me to take on massive debt and loans to survive while waiting for my funds. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX, XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX, Attn : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX : Dispute of Inaccurate Late Payment Account # XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report from your agency. I recently obtained a copy of my credit report and noticed that a late payment has been reported on the account listed above. I believe this is inaccurate and request that it be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any information that I believe is inaccurate or incomplete. The account in question was either paid on time, not due at the time reported, or the late payment record is being reported incorrectly. 

Furthermore, under 15 U.S. Code 1681s-2, the furnishing party is required to provide accurate information. If a creditor reports information that they know or reasonably should know is inaccurate, they are in violation of this section. 

I am requesting that you : Conduct a reasonable reinvestigation of the disputed information ; Provide written verification of the late payment, including the date of delinquency and any supporting documentation from the creditor ; If the information can not be verified, delete it in accordance with FCRA 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). 


Enclosed are copies of documents supporting my position ( e.g., payment confirmations, bank statements, correspondence with the creditor ). 

Please investigate this matter and correct the inaccurate information within XXXX XXXX, as required by federal law. Once your reinvestigation is complete, please send me a copy of the updated credit report and your findings. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXX XXXX and were sold to a trust for a pool of investors. 
Although XXXX XXXX XXXX  is acting as a service officer they illegally sold the debt to MIDLAND CREDIT MANAGEMEN I demand to see the chain of assignment and purchase agreement to see who really sold the debt to ( MIDLAND CREDIT MANAGEMEN If MIDLAND CREDIT MANAGEMEN does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Company called and asked for my spouse. When I said they were unavailable they got aggressive and asked if I was name of my spouse I stated I wasnt and they responded with Are you XXXX ( XXXX XXXX XXXX and then ended the call. Happened on XX/XX/XXXX at XXXXXXXX XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank has erroneously reported a 60-day late payment for my department store card account COMENITY/Express to credit bureaus, severely impacting my credit score. Initially, they incorrectly reported XXXX months of delinquency ( XXXX, XXXX, and XXXX ). After I disputed this with XXXX  multiple times, they later partially corrected this to show only XXXX months. This account was under active dispute regarding a missing payment, initiated on XX/XX/year>. 
Crucially, in a secure message from Comenity Bank dated XX/XX/year> ( See Attachment : XXXX ), I was explicitly informed that my dispute had been filed on XX/XX/year> and my " account status has been changed to dispute. '' Comenity Bank further stated that " the payment history will also be rectified based on the results of the dispute. '' This foundational promise was reinforced in a later secure message dated XX/XX/year>, where they stated they would not report delinquency while my account was in dispute. 
Despite these explicit assurances and my account being officially 'in dispute, ' Comenity Bank proceeded to erroneously report a 60-day late payment. After I disputed this with credit bureaus ( including TransUnion, who waived accrued late fees, confirming an issue ), Comenity Bank consistently refuses to correct the delinquency status on my credit report. They requested an electronic transmittal form from my bank as proof, which I promptly provided. However, Comenity Bank then stated in a letter to me in XX/XX/year>, " we are unable to accept this as proof, '' and subsequently rejected it. This constitutes a direct breach of their promises, a failure to rectify my payment history as agreed, and a deliberate refusal to correct an acknowledged error. 
This single, erroneous entry initially caused a devastating drop in my near-perfect credit score ( from XXXX to XXXX ). While my score has since recovered to XXXX, this took over XXXX years of consistent on-time payments. More importantly, this false delinquency directly caused me to be declined twice for balance transfer credit cards that would have saved me close to {$2100.00} in interest and significantly accelerated my journey to being debt-free. This unjust black mark continues to unfairly blemish my credit report and has imposed tangible financial harm. I have repeatedly disputed this with Comenity Bank since early XXXX, providing documentation, to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
In 2023, I submitted dispute requests both in writing and via the debt collector 's ( credit corp solutions ) online portal, requesting proper validation of the alleged debt. To date, I have received no complete or adequate response. More so, it has been added to my credit report with no resolution. 

The collection agency has failed to provide : A full and accurate account number associated with the alleged debt A detailed breakdown of the total amount owed ( principal, interest, fees, etc. ) A full payment history from origination to present. 

A copy of any signed agreement showing legal responsibility for the debt. 

Despite the absence of this required information, the agency continues to report the disputed debt to credit reporting agencieswithout any notation of dispute, which violates 15 U.S. Code 1681s-2 ( a ) ( 3 ) of the FCRA. This is compounded by a failure to cease collection efforts in accordance with 15 U.S. Code 1692g ( b ) of the FDCPA while the debt remains unverified. 

I am requesting that the CFPB investigate this matter, require the debt collector to cease all collection efforts until they have provided full and verifiable documentation, and take any appropriate enforcement action due to their ongoing noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
Experian is reporting a fraudulent account tied to identity theft and a known data breach. I submitted an FTC report, affidavit, and requested deletion under FCRA 605B. Experian refused to block or delete the account, violating federal law and Metro 2 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 explanation
Consumer complaint received 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX  XXXX - Account Number : XXXX * * XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$50.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
b'See attached documents as well as these fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief