vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX ( acct # XXXX & XXXX ) is reporting a late-payment pattern that is factually impossible, internally inconsistent, and a direct violation of the FCRA and Metro-2 accuracy standards. XXXX shows me as paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet suddenly reports me as XXXX  days late in XX/XX/XXXX, followed by XXXX  days late in XXXX, XXXX, XXXX, and XXXX of XXXX. This pattern is chronologically and mathematically impossible. Under Metro-2 and FCRA 1681e ( b ), a consumer can not be coded XXXX  days late immediately after XXXX consecutive paid on time months unless the servicer can prove payments were missing for XXXX consecutive days before XXXX yet your own furnished data shows no delinquency at all before that point. You can not skip from on time to XXXX  days late and then to XXXX  days late without evidence of the XXXX prior missed payments, which you did not furnish and which do not appear in the payment history. 
Because federal student loans require precise payment-posting records, XXXX must prove : exactly when each monthly payment was received exactly when it was posted how the past-due balance was calculated whether the loan was in deferment, forbearance, CARES Act pause, recertification review, or processing delay during that period and whether the late status is the result of servicer error, which is common with XXXX You have provided none of this. 
To lawfully support a XXXX or XXXX delinquency, XXXX must also produce bank statements or payment-receipt records showing whether payments were actually received, processed late, misapplied, or rejected because without these, the late reporting is hearsay and violates FCRA 1681s-2 ( b ) ( verification duty ).

Metro-2 rules require servicers to report accurate, consistent, verifiable payment histories. This pattern XXXX months on time, then instantly XXXX  days late proves the data is not verifiable, not internally consistent, and not compliant with the FCRA or Metro-2. XXXX has also failed to provide any of the documentation I requested over XXXX  days ago, which further violates FCRA 1681i ( a ) ( reasonable reinvestigation required ). Without the original payment logs, proof of receipt dates, posting timestamps, and bank-transaction verification, this reporting can not be substantiated and is legally invalid.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX ( acct # XXXX & XXXX ) is reporting a late-payment pattern that is factually impossible, internally inconsistent, and a direct violation of the FCRA and Metro-2 accuracy standards. XXXX shows me as paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet suddenly reports me as XXXX days late in XX/XX/XXXX, followed by XXXX  days late in XXXX, XXXX, XXXX, and XXXX of XXXX. This pattern is chronologically and mathematically impossible. Under Metro-2 and FCRA 1681e ( b ), a consumer can not be coded XXXX days late immediately after XXXX consecutive paid on time months unless the servicer can prove payments were missing for XXXX consecutive days before XXXX yet your own furnished data shows no delinquency at all before that point. You can not skip from on time to XXXX  days late and then to XXXX  days late without evidence of the XXXX prior missed payments, which you did not furnish and which do not appear in the payment history. 
Because federal student loans require precise payment-posting records, XXXX must prove : exactly when each monthly payment was received exactly when it was posted how the past-due balance was calculated whether the loan was in deferment, forbearance, CARES Act pause, recertification review, or processing delay during that period and whether the late status is the result of servicer error, which is common with XXXX You have provided none of this. 
To lawfully support a XXXX or XXXX delinquency, XXXX must also produce bank statements or payment-receipt records showing whether payments were actually received, processed late, misapplied, or rejected because without these, the late reporting is hearsay and violates FCRA 1681s-2 ( b ) ( verification duty ).

Metro-2 rules require servicers to report accurate, consistent, verifiable payment histories. This pattern XXXX months on time, then instantly XXXX  days late proves the data is not verifiable, not internally consistent, and not compliant with the FCRA or Metro-2. XXXX has also failed to provide any of the documentation I requested over 60 days ago, which further violates FCRA 1681i ( a ) ( reasonable reinvestigation required ). Without the original payment logs, proof of receipt dates, posting timestamps, and bank-transaction verification, this reporting can not be substantiated and is legally invalid.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
On XX/XX/year> at XXXX, I called Ginny ; s and Montgomery Wards and spoke with a customer service rep by phone and inquired about the inaccurate late payments on my XXXX, XXXX XXXX and XXXX  credit reports. After a couple of minutes I was told that there were no late payments ever reported to my credit reports and I told them that I had a current copy of my credit reports explaining to the customer rep that I see inaccurate late payments that have been reported to my credit reports yet the customer rep insisted that there weren't any late payments, that my balance was XXXX. 

I requested to have proof of this matter and was told that the company couldn't provide any proof other than having a XXXX balance and that the account is in good standing. I was then instructed to contact XXXX, XXXX  and XXXX XXXX pertaining to this matter. 

So on Monday, XX/XX/year>, I contacted XXXX, XXXX, and XXXX XXXX, explaining the matter to them all and what Ginny 's and Montgomery Wards instructed me to do. I then filed several disputes with all three credit bureaus with my documents, and yet my results remained verified and unchanged, yet Ginny 's and Montgomery Wards insisted that there were no late payments ever reported on my credit reports yet till this day, there are still late payment marks still being reported on my credit reports when they I was told that there were none. So now I and requesting that any late payment marks be removed from all of my credit reports. I called all three credit bureaus and explained the matter yet no one would help me and I requested that the late payment marked be removed yet that still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
What happened : I traveled to XXXX, XXXX for work, not tourism. I was officially invited to serve as an international jury representing the United States at a global coffee competition which is named XXXX XXXX XXXX On XX/XX/XXXX around XXXX XXXX, I was the victim of a violent motorcycle robbery ( XXXX  ). The attackers drove onto the sidewalk, struck me, and forcibly took my unlocked phone while I was answering a work message. I immediately lost control of my device and all banking sessions. 
On XX/XX/XXXX ( morning, XXXX airport ), before my flight back to the U.S., I noticed signs of unauthorized activity. To protect remaining funds, I withdrew about {$1600.00} USD equivalent from an airport ATM. 
On XX/XX/XXXX ( XXXX XXXX ET ), while I was in transit, my husband called Chase from XXXX and requested an emergency freeze on my account. 
On XX/XX/XXXX, after landing at XXXX, I went to a Chase branch in XXXX and completed a full security reset on a secure bank computer : new password new two-factor removal of all old devices new phone paired new account number issued This should have revoked all prior sessions. 
On XX/XX/XXXX ( around XXXX XXXX ET ), I discovered XXXX unauthorized XXXX transfers listed as successful : {$800.00}, {$800.00}, {$200.00}, {$20.00}. 
The discovery date is XX/XX/XXXX, but the execution timestamps may have been earlier. 
None were made by me or from my new device. 
I contacted Chase immediately by phone to change my username and password again. and filed the claimant at the same time. 
On XX/XX/year>, I saw that Chase had closed my fraud claim and did not return the stolen funds. Phone representatives refused to reopen the case or explain the investigation. 
On XX/XX/XXXX, I went to the XXXX XXXX branch. Staff made internal calls but the claim was still not reopened, and no provisional credit was issued. 
I also filed a police report in XXXX documenting the violent robbery. 
This entire loss was caused by the robbery, account takeover, and Chases failure to secure my account even after I reported the theft and completed a full reset with a new account number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 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:
Would you mind reviewing the entry? It might be flawed because its late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for failing to conduct a proper reinvestigation of my disputes and for continuing to report inaccurate and unverified charge-off accounts. Over 60 days ago, I disputed the following tradelines directly with TransUnion : XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX ( Acct # XXXX ), XXXX  ( Acct # XXXX ), XXXX  XXXX ( Acct # XXXX and # XXXX ), XXXX ( Acct # XXXX ), XXXX CARD ( Acct # XXXX ), and other negative tradelines appearing on my TransUnion report. I specifically requested that TransUnion obtain and review the original signed agreements, full payment histories, itemized charge-off calculations, and proof of ownership or assignment where any account had been sold or transferred. I also clearly requested that any information that could not be verified be deleted. Instead of providing verification or documentation, TransUnion issued a response labeling my disputes as fraud or connected to a third-party credit repair company, which is a stall tactic and does not extend their reinvestigation period under the law. TransUnion continued to publish derogatory charge-off and collection information despite failing to show proof of accuracy or verification. This conduct violates the Fair Credit Reporting Act, including 15 USC 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 USC 1681i ( a ) ( failure to perform a reasonable reinvestigation ), as well as Metro-2 standards requiring complete, consistent, and verifiable data. Additionally, several of the underlying creditors and debt buyers have failed to validate these alleged debts under the FDCPA, 15 USC 1692g ( b ), meaning TransUnion is reporting information that is unverified and may be illegal to collect.

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 2025-11-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this formal complaint against Citibank / Citicards CBNA for reporting a credit card account on my credit report that does not belong to me, is not my debt, and for which I was only an authorized user, not the primary account holder. 

Citibank is reporting late payments and derogatory information on an account for which I am not legally responsible. The primary account holder is my father, who has the same exact name as me. This seems to have caused a mixed-file issue, resulting in Citibank reporting the account under the wrong person. 

This is a serious violation of the Fair Credit Reporting Act and must be corrected immediately. 


-- - SUMMARY OF WHAT HAPPENED 1. The credit card account in question is my fathers credit card, issued by Citibank. 


2. I was only listed as an authorized user, which means : I am not legally responsible for payments, I did not sign any contract with Citibank, I did not incur the debt, And I am not the primary borrower.

3. My father entered a payment arrangement with Citibank to pay off the card in monthly installments.

4. Despite this, Citibank reported : Late payments, Missed payments, Derogatory marks, And the account itself under my credit profile, even though the debt is not mine. 



5. This appears to be a mixed-file issue caused by me and my father sharing the same exact name.

6. Citibank is legally obligated to remove the entire account from my credit file. 




-- - LEGAL VIOLATIONS Citibank / Citicards CBNA is in violation of several sections of federal law. 


-- - 1. FCRA 605B Blocking Information Resulting From Identity/Furnishing Errors Reporting a debt belonging to someone else is considered mixed identity information, which must be removed.

-- - 2. FCRA 602 / 607 Duty to Ensure Maximum Possible Accuracy Citibank must report only accurate and verifiable information. 
Reporting my fathers credit card as mine is inaccurate, false, and harmful. 


-- - 3. FCRA 609 Right to Full Disclosure I never signed a credit application or agreement with Citibank. 
They are reporting an account without any contract or proof connecting it to me.

-- - 4. FCRA 623 Furnisher Responsibility A furnisher must correct inaccurate information.

Citibank failed to correct the error after it was disputed.

-- - 5. FDCPA 807 False Representation of a Debt By associating another persons debt with me, Citibank has created a false representation of responsibility.

-- - 6. UDAAP Unfair, Deceptive, Abusive Acts or Practices Reporting someone elses account and late payments under my credit file is : Unfair Deceptive Abusive And causes significant consumer harm CFPB has direct enforcement authority here.

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 2025-11-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize these accounts and inquiries. Nor did i give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft. 

FCRA 602 ( A ) : Consumers have the right to fair and accurate credit reporting.

FCRA 605B : Credit bureaus must block all information that results from identity theft within 4 business days of receiving a valid dispute and proof of identity.

FCRA 611 ( a ) : Requires reinvestigation of disputed information within 30 days.

FCRA 623 ( a ) ( 6 ) : Prohibits furnishers from reporting information they know or should know results from identity theft.

FCRA 609 ( a ) ( 1 ) : Grants the right to access all information in a consumers file.

FCRA 616617 : Allows consumers to pursue civil remedies for willful or negligent 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 2025-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint Summary I am filing this complaint because multiple companies accessed my credit report without any permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. 

The inquiries listed below do not relate to any application, account, contract, or credit request made by me. There is no written authorization, no existing relationship, and no legitimate business need. Each inquiry constitutes an impermissible access and a privacy violation. 

The credit bureaus have continued reporting these inquiries after I disputed them, despite failing to obtain documented proof of authorization from the furnishers, which is required under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ) ( B ).

Under FCRA 607 ( a ), the bureaus must follow reasonable procedures to ensure my file is accurate and only accessed with proper authorization. These procedures failed. 


List of Unauthorized Inquiries ( You can paste this directly as XXXX block inside the CFPB form ) XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX Experian None of these entities have presented any documentation that I requested this credit, applied for a vehicle, signed any terms, or authorized a hard inquiry. 


Specific FCRA Violations XXXX. FCRA 604 ( a ) ( 2 ), ( 3 ) The furnishers accessed my report without : my written consent an application a credit request an existing account any legitimate business need This makes the access impermissible under federal law. 

XXXX. FCRA 611 ( a ) ( 1 ) ( A ) I disputed these inquiries. The bureaus failed to conduct a reasonable reinvestigation. 

XXXX. FCRA 611 ( a ) ( 2 ) ( B ) The bureaus did not obtain and provide me evidence of authorization from the furnishers. 

XXXX. FCRA 607 ( a ) The bureaus did not follow reasonable procedures to ensure the inquiries were lawful and accurate. 

These are direct statutory violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am a victim of a fraudulent charge made on XX/XX/year> in the amount of {$110.00} via XXXX XXXX XXXX XXXX after using my debit card to reserve a car rental. I called the car rental company to confirm my rental and was told that no reservation exist and no physical address exist. I filed a claim with Four Leaf Federal Credit Union who issued a chargedback to my account and is now stating that the chargeback will be reversed because the rental company stated that I picked up the rental. I never picked up a rental and I never signed for a rental. I have requested additional information from the bank investigation and has not yet received it. The bank has stated that the merchant did not violate XXXX rules and regulations which seems like a generic response to my dispute. 


There was also another instance in which I paid for a service 5 months in advance on XX/XX/year> in the amount of {$200.00}, however, I did not receive said service as promised from XXXX XXXX XXXX. The bank is refusing to credit my account because they stated that it is outside the 120 days from when the dispute was filed and when the charge was made. This is outside of my control as payment was due months before the date of service. The merchant has also seize all communication with me. I have text messages from the merchant stating that I will be credited and that never happened. I offered to share this support with Four Leaf Federal Credit Union and they are not cooperating but instead is set on denying my dispute. How is it okay for consumers to be out hundreds of dollars by scamming merchants and banks. The bank is not being helpful in anyway and has not shared any information that resulted from their investigation into these matters.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One approved me for {$500.00} on a new SavoXXXX card I never received and then apparently shipped me another one. Neither have been activated and show no charges. I want to close it out and don't want it anymore. If they can't send it to me I don't want it. They've made it impossible to get this done and close it or anything. Why do they refuse to raise my other limit but give me a new card after 5 plus years of perfect payment history?

Company response to consumer: Closed with explanation