vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
SUPPLEMENTAL EVIDENCE FOR CFPB COMPLAINT CFPB Case Number : # XXXX Date : XX/XX/XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Section 1 : Evidence Log & Dispute Timeline LEGAL NOTICE : I am a resident of Texas ( Texas Penal Code 16.02 ). I have legally recorded conversations with Chase proving they refused to open a formal dispute in XX/XX/XXXX, violating the FCBA. XX/XX/XXXX : Chase accepted my {$10000.00} good-faith payment but refused to initiate a billing error investigation. XX/XX/XXXX : I finally received written statements, 75 days after my initial request. Section 2 : Itemized Proof of Merchant Masking & Limit Breaches THE BILLING PROOF : XXXX XXXX # XXXX shows a pattern of {$1000.00} charges labeled " GAMING ACTIVITY. '' VIOLATION OF CASH LIMIT : These were gambling/cash-equivalent transactions. My XXXX XXXX XXXX is {$7600.00}. Chase allowed these charges to reach over {$47000.00}, a 600 % breach of my safety limit. MERCHANT ADMISSION : XXXX sent a letter stating the matter was " out of their hands '' and directed me to the " XXXX XXXX XXXX '' ( their gambling department ). This proves the merchant knew the charges were for gambling, despite how they were coded to the bank. VELOCITY OF CHARGES : On XX/XX/XXXX, the bill shows {$1000.00} charges at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Chase allowed {$4000.00} in XXXX minutes without one alert. UNAUTHORIZED CREDIT OVERAGE : My total credit limit is {$38000.00}. By XX/XX/XXXX, the bill reached {$47000.00}. Chase authorized nearly {$12000.00} in unauthorized credit above my hard limit. Section 3 : Elder Financial Protection & Duty of Care ELDER EXPLOITATION : As a XXXX customer, I am protected by federal and state guidelines. Chase demonstrated a gross failure in its Duty of Care by allowing a senior citizens {$7600.00} cash limit to be ignored and their total {$38000.00} credit line to be exceeded by {$12000.00} in a single session. Section 4 : Real-World Damages & Inconsistent Security GAS STATION INCIDENT : Immediately after approving {$50000.00} for the merchant, Chase declined a nominal charge for gasoline, leaving me stranded. UTILITY DISRUPTION : While Chase held my {$10000.00} payment, they failed to process authorized utility charges, resulting in my electricity being shut off. Section 5 : Final Declaration & Demand TOTAL REINVESTMENT : Every dollar of the disputed amount was cycled back into machines ; no service was rendered. DEMAND : I request an immediate correction of the balance, reversal of all interest and late fees, and restoration of my credit standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 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: CA

Complaint narrative:
I am filing this complaint because multiple accounts, inquiries, and personal information are being reported on my credit file that are not mine, were not authorized by me, and are the direct result of identity theft linked to known data breaches. My personal information has been compromised and used fraudulently without my knowledge or consent. The following accounts are being inaccurately reported as collections or negative tradelines despite no contractual relationship, no signed agreement, and no permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported with inconsistent balances, conflicting dates, and inaccurate status codes across credit bureaus , which clearly violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). I have never entered into any agreement with these entities, and no original signed documentation has been provided to validate these alleged debts. Despite prior disputes, these items continue to be reported without proper investigation or verification, which is a direct violation of 15 U.S.C. 1681i. In addition, multiple hard inquiries were placed on my credit report without my authorization and without any permissible purpose under 15 U.S.C. 1681b. These include : XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with these companies, nor did I authorize any credit pulls. These inquiries are fraudulent and further confirm that my identity has been compromised. Additionally, incorrect personal information is being reported, including employment and addresses that do not belong to me, which further demonstrates a failure to maintain accurate reporting : XXXX Incorrect XXXX XXXX XXXX XXXX Incorrect Employment XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXXXXXX XXXX Incorrect Address I have already taken formal action by filing an Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ). Under 15 U.S.C. 1681c-2, once identity theft is reported, the credit bureaus are required to block fraudulent information from appearing on my credit report. Despite this, these items remain, which shows clear negligence and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CA

Complaint narrative:
I am filing this complaint because multiple accounts, inquiries, and personal information are being reported on my credit file that are not mine, were not authorized by me, and are the direct result of identity theft linked to known data breaches. My personal information has been compromised and used fraudulently without my knowledge or consent. The following accounts are being inaccurately reported as collections or negative tradelines despite no contractual relationship, no signed agreement, and no permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported with inconsistent balances, conflicting dates, and inaccurate status codes across credit bureaus , which clearly violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). I have never entered into any agreement with these entities, and no original signed documentation has been provided to validate these alleged debts. Despite prior disputes, these items continue to be reported without proper investigation or verification, which is a direct violation of 15 U.S.C. 1681i. In addition, multiple hard inquiries were placed on my credit report without my authorization and without any permissible purpose under 15 U.S.C. 1681b. These include : XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with these companies, nor did I authorize any credit pulls. These inquiries are fraudulent and further confirm that my identity has been compromised. Additionally, incorrect personal information is being reported, including employment and addresses that do not belong to me, which further demonstrates a failure to maintain accurate reporting : XXXX Incorrect XXXX XXXX XXXX XXXX Incorrect Employment XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXXXXXX XXXX Incorrect Address I have already taken formal action by filing an Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ). Under 15 U.S.C. 1681c-2, once identity theft is reported, the credit bureaus are required to block fraudulent information from appearing on my credit report. Despite this, these items remain, which shows clear negligence and willful noncompliance.

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 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
RE : CEASE AND DESIST FRAUDULENT ACCOUNT ( XXXX ) & DEMAND FOR VALIDATION To Whom It May Concern, I am writing to formally notify your company that any account ( s ) you claim are associated with my name, Social Security number, or personal information that I did not personally authorize, open, or contract for are fraudulent and the result of identity theft or unauthorized use. Under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and pursuant to 15 U.S.C. 1666 ( Billing Error Resolution under the Truth in Lending Act ), I dispute any such alleged debt in its entirety and demand immediate action. CEASE AND DESIST DEMAND You are hereby instructed to CEASE AND DESIST from : Reporting any such alleged account ( s ) to any consumer reporting agency Attempting to collect on any alleged debt not personally authorized by me Communicating with me regarding any such account ( s ), except to provide the documentation requested below DEMAND FOR VALIDATION If you contend that any account is valid, you are required to provide competent evidence, including but not limited to : 1. A copy of the original signed contract bearing my wet signature 2. Complete account statements from inception 3. Documentation proving your legal right to collect ( chain of title/assignment ) 4. Verification that the debt was not the result of identity theft or fraud 5. Proof of permissible purpose under 15 U.S.C. 1681b Failure to provide the above documentation will constitute your inability to validate the alleged debt. NOTICE OF LIABILITY Be advised that continued reporting or collection of unverifiable or fraudulent information constitutes violations of : 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ) 15 U.S.C. 1681n & 1681o ( Civil liability for willful or negligent noncompliance ) You may be held liable for : Statutory damages up to {$1000.00} per violation Actual damages Punitive damages XXXX fees and costs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Central Research Inc
State: NY

Complaint narrative:
Asked current lender for original contract. Failed to materialize original contract within allotted time period. Request to have debt judged as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
On XXXX/23, I identified fraudulent transactions on my account totaling approximately {$1000.00}, involving a cryptocurrency-related transfer. Prior to these transactions, I was contacted by an individual impersonating XXXX XXXX support. The scammer used deception, urgency, and manipulation to convince me I was speaking with legitimate support. I was instructed to take actions that resulted in funds being transferred from my account. The funds were sent to an account associated with XXXX and then converted into cryptocurrency as part of the scam process. I did not intend to send money to a scammer. These transactions were the direct result of impersonation fraud and deception. I reported the issue to my bank promptly after discovering the transactions and filed a fraud claim. However, my claim was denied and the transactions were classified as authorized. I am requesting a full refund of the funds lost due to this fraud and a reconsideration of the banks decision to deny my claim, as this was an impersonation scam and not a legitimate authorized transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint against TD Bank USA regarding inaccurate and inconsistent information being reported on my credit report for a Target credit card account ( Account # : XXXX ). On XXXX XXXX, 2026, I submitted a direct dispute pursuant to the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 8 ) ) regarding multiple inconsistencies in how this account is being reported across different consumer reporting agencies. Specifically, the credit limit, last activity date, and payment history are being reported differently across bureaus, indicating that the information is not accurate or consistent. I requested that TD Bank conduct a reasonable investigation and provide accurate information, including the correct credit limit, date of first delinquency, last activity date, and a complete and accurate payment history. To date, TD Bank has failed to correct these discrepancies or provide documentation supporting the accuracy of the information being reported. Under the Fair Credit Reporting Act, furnishers are required to report accurate and complete information and to conduct a reasonable investigation when a dispute is received. I do not believe a proper investigation was conducted, and inaccurate information continues to be reported. I am requesting that TD Bank either : 1. Correct all inaccurate and inconsistent information across all consumer reporting agencies, or 2. Delete this account from my credit report if the information can not be verified as accurate I am requesting that this matter be reviewed and resolved in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America regarding inaccurate, inconsistent, and unverifiable information being reported on my credit report for a settled account with a {$2500.00} credit limit. I submitted multiple direct disputes pursuant to the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 8 ) ). In my initial dispute, I requested documentation proving I am legally responsible for the account, including a signed contract or application. Bank of America failed to provide any such documentation. In a follow-up dispute dated XXXX XXXX, 2026, I disputed the accuracy and consistency of the reporting after the account had been settled and reflected a {$0.00} balance. I specifically requested confirmation of the settlement date, date of first delinquency, complete payment history, and clarification of what information was being reported to each credit bureau. Despite these requests, Bank of America has failed to provide adequate documentation, failed to resolve inconsistencies, and continues to report conflicting and unverifiable information across consumer reporting agencies. I do not believe a reasonable investigation was conducted as required under FCRA 1681s-2 ( b ). Reporting inconsistent or unverifiable information, especially on a settled account, is misleading and does not meet the accuracy standards required under federal law. I am requesting that Bank of America either : 1. Provide full documentation supporting the accuracy and consistency of this account, or 2. Permanently delete this account from all consumer reporting agencies if it can not be verified as accurate and consistent I am requesting that this matter be reviewed and resolved in accordance with federal law.

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 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because multiple accounts, inquiries, and personal information are being reported on my credit file that are not mine, were not authorized by me, and are the direct result of identity theft linked to known data breaches. My personal information has been compromised and used fraudulently without my knowledge or consent. The following accounts are being inaccurately reported as collections or negative tradelines despite no contractual relationship, no signed agreement, and no permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported with inconsistent balances, conflicting dates, and inaccurate status codes across credit bureaus , which clearly violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). I have never entered into any agreement with these entities, and no original signed documentation has been provided to validate these alleged debts. Despite prior disputes, these items continue to be reported without proper investigation or verification, which is a direct violation of 15 U.S.C. 1681i. In addition, multiple hard inquiries were placed on my credit report without my authorization and without any permissible purpose under 15 U.S.C. 1681b. These include : XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with these companies, nor did I authorize any credit pulls. These inquiries are fraudulent and further confirm that my identity has been compromised. Additionally, incorrect personal information is being reported, including employment and addresses that do not belong to me, which further demonstrates a failure to maintain accurate reporting : XXXX Incorrect XXXX XXXX XXXX XXXX Incorrect Employment XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXXXXXX XXXX Incorrect Address I have already taken formal action by filing an Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ). Under 15 U.S.C. 1681c-2, once identity theft is reported, the credit bureaus are required to block fraudulent information from appearing on my credit report. Despite this, these items remain, which shows clear negligence and willful noncompliance.

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 2026-04-14 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 dispute this debt, as I believe it is incorrect and would like verification.

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 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
am writing to request a goodwill adjustment to remove a late payment reported on my student loan account XXXX. At the time the payment became due, I was still in school and was unaware that my loan had entered repayment. Unfortunately, due to changes in my mailing address, I did not receive any notice or communication about this payment. I had no knowledge that the account required immediate action. Prior to this incident, I maintained an excellent credit history and a perfect payment record. I have never missed a payment on any of my accounts. This late payment is a singular occurrence and is not reflective of my usual financial responsibility. At the time it appeared on my credit report, I was also in the process of purchasing a home, and the mark has significantly impacted my credit standing As soon as I became aware of the missed payment, I immediately made the payment in full and enrolled in a payment plan to ensure that all future payments are made on time. I am committed to keeping my account in good standing moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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:
XXXX XXXX reversed a charge on my CitiBank account XXXX The reversal never showed up on my CitiBank account. When I contacted CitiBank they told me they are unable to see the transactions or the reversal. They told me I needed to provide proof of transaction/reversal in order to receive my credit back. Dates of XXXX XXXX Transactions : XX/XX/XXXX {$620.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} Date of Enterprise Rent-A-Car XXXX Reversal : XX/XX/XXXX {$940.00} I have had to make several phone calls and emails only to find out I need to dispute this with CitiBank Corporate and mail them proof of XXXXunds/reversal. XX/XX/XXXX I mailed a letter of proof of funds/reversal to CitiBank Corporate from XXXX XXXX and highlighted the date and amount of reversal. XXXX/26 I received a message in my CitiBank account denying my dispute saying " We are unable to help due to not being contacted in a timely manner. '' The information they provided me was irrelevant and from a previous rental car use on XXXX/24 {$1400.00}, which is the incorrect date and amount. According to CitiBank 's website it can take a few days to several weeks to receive the refund in your account. I have been waiting since XXXX/26 for my {$940.00}, I have provided both proof of transactions and reversal and still they are denying my dispute because they are unable to find it on the statement.

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