vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Winklevoss Exchange LLC
State: SC

Complaint narrative:
On XX/XX/year>, I received a promotional email from XXXX  offering {$20.00} in crypto for executing a $ XXXX trade. I completed the trade same day. 

Later that day, XXXX  sent a follow-up email stating the offer was sent in error. I submitted a support ticket ( confirmed as Ticket ID # XXXX ) to challenge this. Eventually, XXXX  replied stating they would honor the {$20.00} offer. However, they only credited XXXX XXXX, which their own system at the time showed as equivalent to {$15.00}. I have preserved a screenshot of this value alongside the email confirmation. 

After I escalated again and requested full payment, XXXX  issued no further response. Instead, they silently edited the label of the same XXXX XXXX to now reflect {$20.00}, without any new XXXX being credited, without a second transaction record, and without any email notification or ledger XXXX XXXX. 

I have screenshots showing : The original reward entry as {$15.00} worth of XXXX The current edited entry showing the exact same XXXX amount relabeled as {$20.00} A complete archive of emails, support tickets, and internal communication This silent record tampering violates basic accounting standards and financial trust obligations. A bank could not silently relabel a {$15.00} credit as {$20.00} without a new transaction, yet that is exactly what Gemini did here. 

I am a XXXX XXXX XXXXXXXX veteran, and this issue has cost me over 4 hours of documented time, including tracking correspondence, analyzing transaction records, preparing a complaint, and securing my account. I have since withdrawn all XXXX from Gemini due to this breach of custodial trust. 

I am requesting : Full repayment of the original {$5.00} shortfall in XXXX An additional {$140.00} in compensation for time, effort, and breach of reasonable trust A regulatory inquiry into Geminis practice of silently altering customer-facing financial records without audit trail, email notice, or actual monetary reconciliation I am opting to make this complaint public in the CFPB database. I have saved all correspondence, screenshots, and support ticket history to substantiate every factual claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my TransUnion credit report pursuant to XXXX U.S.C. XXXX and to request that this information be blocked. I have enclosed my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified as resulting from identity theft within XXXX business days. 

The following information on my TransUnion credit report is the result of identity theft and must be blocked immediately : FACTUAL DATA XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX As required by XXXX U.S.C. XXXX, please block this fraudulent information from my TransUnion report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. 

I have called your bureau multiple times reporting these fraudulent items, and TransUnion has failed to provide a solution. These accounts are severely affecting my ability to obtain a new home for my children. They were already deleted and not verified by other bureaus, so I do not understand why TransUnion continues to report them. 

I have requested contracts and documentation from the furnishers for more than XXXX  days and have received no response. This lack of verification confirms these accounts are fraudulent. 

Here I attach my FTC report and respectfully request immediate action.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my TransUnion credit report pursuant to XXXX U.S.C. XXXX and to request that this information be blocked. I have enclosed my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified as resulting from identity theft within XXXX business days. 

The following information on my TransUnion credit report is the result of identity theft and must be blocked immediately : FACTUAL DATA XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX As required by XXXX U.S.C. XXXX, please block this fraudulent information from my TransUnion report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. 

I have called your bureau multiple times reporting these fraudulent items, and TransUnion has failed to provide a solution. These accounts are severely affecting my ability to obtain a new home for my children. They were already deleted and not verified by other bureaus, so I do not understand why TransUnion continues to report them. 

I have requested contracts and documentation from the furnishers for more than XXXX  days and have received no response. This lack of verification confirms these accounts are fraudulent. 

Here I attach my FTC report and respectfully request immediate action.

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 2025-11-25 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
As of : Today LJROSS ASSOCIATES IN XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XX/XX/XXXX Collection account. {$2500.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2500.00} XX/XX/XXXX 0 % - {$2500.00} {$2500.00} XXXX  Month XXXX Comments : Account information disputed by consumer ( Meets requirement

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MO

Complaint narrative:
I am disputing the following accounts and inquiries because they appear to be inaccurately reported, duplicated, unverifiable, or incomplete. I am requesting a full reinvestigation and removal of any item that can not be validated according to FCRA guidelines. I am simply asking for fair and accurate reporting. 

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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally Financial is reporting inaccurate, incomplete, and unverifiable information on my credit report and has violated multiple federal consumer protection laws. I mailed Ally a written dispute. Ally has not provided any documentation supporting the information they are furnishing. 

1. Truth in Lending Act ( TILA ) Violation Ally changed my payment due date without providing proper written notice or disclosures as required by TILA. This caused improper delinquency reporting and financial harm.

2. Balance Reporting Violation Ally is reporting a balance that is higher than the original loan amount, even though I have been making payments consistently since XX/XX/year>. This is inaccurate and can not be justified without documentation. 

3. Breach of Peace During Repossession by threatening to report the vehicle stolen The repossession was not conducted lawfully under state law and UCC requirements. A creditor that breaches the peace can not legally report or collect a deficiency balance, yet Ally continues to report one.

4. FCRA 607 ( b ) Failure to Ensure Maximum Possible Accuracy Ally is reporting information that is inaccurate and inconsistent, including dates, balances, status, and payment information. None of this has been supported with documentation.

5. FCRA 623 ( b ) Failure to Conduct a Reasonable Investigation After my dispute, Ally did not provide any documents such as the contract, payment history, deficiency calculation, or proof of accuracy. They marked the account verified without conducting a lawful investigation.

6. Furnishing Unverifiable Information Ally continues reporting data they have not validated. Under FCRA 611 ( a ) ( 5 ), unverifiable information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
Issue : Chase refused to properly file my unauthorized debit card fraud claim, incorrectly closed it, and refused to provide provisional credit as required under Regulation E. 

What happened : I noticed an unauthorized debit card transaction from XXXX on my Chase account and immediately contacted Chase to report it. I clearly stated that I did not authorize the transaction, I did not use my debit card or PIN at the merchant, and no one else had permission to use my card.

Despite this, Chase refused to process the claim correctly. Multiple representatives told me that because a PIN was used, the claim was automatically denied and could not be reopened. This is incorrect and violates Regulation XXXX A PIN being used does NOT make a transaction authorized, and card/PIN compromise is a well-documented form of fraud. Chase initially refused to investigate, refused to accept my statement of unauthorized use, and refused to issue the required provisional credit. 

I was later told that the claim had been closed without any investigation and without provisional credit, even though I was originally told I would receive provisional credit no later than Monday. I was then informed I would need to provide compelling evidence to prove fraud solely because a PIN was used. This is an improper shifting of the burden of proof onto the consumer. Regulation E requires the bank to investigate an unauthorized electronic fund transfer, not place the burden on the consumer to disprove a PIN transaction. 

Why this violates Regulation E : The bank must accept and investigate a report of an unauthorized EFT ( 12 CFR 1005 ).

The bank may not refuse to open a claim because of a PIN being used. 
The bank must provide provisional credit if it can not resolve the claim within XXXX business days. 
The burden of proof is on the bank to show the transaction was authorized not on the consumer to prove it wasnt. 
Chase closed my claim without proper investigation and refused multiple times to take my report.

Impact : This has caused unnecessary stress and financial harm because Chase refused to follow federal law and repeatedly refused to process my claim properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
My federal student loans were fully paid while serviced by XXXX on XX/XX/XXXX, but after the Department of Education transferred the loans to Edfinancial on the same date, Edfinancial began reporting the loans as delinquent and is now pursuing collections on a debt that no longer exists. 

XXXX official payment history shows a {$13000.00} payment on XX/XX/XXXX that brought the balance of all loan groups to {$0.00}. XXXX also issued a transfer notice confirming the loans were paid in full to transfer. The Department of Education transfer letter shows the loans were scheduled to move to Edfinancial that same day. 

Edfinancial sent me a transfer-acceptance confirmation, but their internal payment history does not contain the payoff or the transfer ledger entry. Their records only show initial disbursement and interest capitalization, with no XXXX activity at all. They are attempting to collect a balance created by their own missing or corrupted transfer data. 

Since then, Edfinancial has : reported months of delinquency that never occurred damaged my credit score by more than XXXX points issued a physical collections letter dated XX/XX/XXXX demanded payment on an account that was already satisfied before transfer I have contacted both servicers. XXXX confirmed the account was closed with a XXXX balance. Edfinancial acknowledged receiving the transfer but claims I never paid anything. Their responses contradict the federal servicing records. 

I am requesting that CFPB require Edfinancial to correct their servicing records, stop collections, reverse the inaccurate delinquency reporting, remove all negative credit reporting, and confirm the account as paid in full at the time of transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> I went and looked into my bank account and I noticed a pay friend amount of XXXX that I did not authorize. I put a dispute in XXXX with my bank and they are denying my dispute with this not being authorized by me. I have no idea who the person is that got my money the name shows up as XXXX XXXX XXXX. 

I was scammed out of money and I also got a text message from XXXX asking for credit card information. 

I did not give any information for them to access any accounts and my XXXX has now been also closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mr. Cooper recently took over servicing of my loan for a property in Florida. Mr.Cooper 's supposedly has a connection with LakeView XXXX XXXX XXXX XXXX ( looking at the process to file a complaint against them also ). When I attempted to reach out to Mr. Cooper to set up payment on XX/XX/year>, I am met with an automated phone system that refuses to connect me with someone. I called the number on my letter, XXXX & the number on XXXX XXXX ' ( parent company ) SEC filing, XXXX. After calling my old servicer, I was given a phone number of XXXX. If I go to the sales side for a new application, I am connected to representative that can not help, but will transfer me to the automated system that refuses to connect me to a representative in regards to my account. The phone system is more committed to hanging up or sending people in circles Mr. Cooper 's in how they are setting up their systems, are actively keeping customers from being able to resolve any issues. With the process, XXXX 's operations could negatively affect the credit of all persons who have no choice but to with them if they can not make payments have concerns This is not a new issue as I had issues with XXXX 's low quality level of service on another loan. This new loan shows that Mr. Cooper did not & is not going to improve their system. I will look at reaching out to government officials as laws are created to help with companies that are not willing to have integrity and ifx issues themselves.

Company response to consumer: Closed with explanation