vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
In early XX/XX/year>, I was contacted by someone claiming to be from XXXX XXXX XXXX, demanding {$6500.00} for a car accident I was involved in months ago. The caller ( who identified himself as XXXX XXXX ) used intimidation tactics, including threats to have my license suspended immediately if I did not agree to a payment plan. He called people from my past, accessed my personal information ( including my address and SSN ), and pressured me into giving my banking information over the phone. 

He refused to send anything in writing, claimed I was not legally entitled to see a cost breakdown, and hung up when I asked questions. When I contacted the California DMV directly, they confirmed my license was in good standing and that there were no actions or notices filed regarding the accident. The DMV also confirmed that any license suspension would follow a formal process, including mailed noticesnone of which I ever received. 

I believe this was an unlawful attempt to collect money through fear and manipulation. I have since frozen my credit and reported the incident to local law enforcement. This behavior was predatory and exploitative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Summary : Chase Bank incorrectly recorded my Social Security Number on a credit card account I opened. As a result, this account was not reported to the credit bureaus and did not appear on my credit report.

Impact : Due to the missing account, my credit score appeared artificially low, and I received less favorable loan offers with higher interest rates. This caused significant financial loss and stress.

Actions Taken : I contacted Chase to correct the SSN and have the account reported accurately. So far, the issue remains unresolved. I am requesting CFPB assistance in ensuring Chase : Updates my SSN accurately, Reports the account retroactively, Provides compensation for the financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Collection account paid in full but this agency is reporting unpaid XXXX XXXX. 
Attention : XXXX XXXX  XXXX XXXX XXXX XXXX, MN 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Citibank , N.A . for what I believe is negligent, damaging, and unlawful conduct regarding my personal bank account. 

On Monday, XXXX XXXX at XXXX, I deposited a legitimate check issued by the Internal Revenue Service ( IRS ) in the amount of {$8100.00} into my Citibank account at their atm. Without any proper verification or communication, Citibank blocked my account and later notified me that my account would be closed, alleging that the deposit was fraudulent. 

I was locked out of my account without warning, and Citibank has failed to provide me with any documentation or investigation results. Most notably, Citibank did not contact the IRS to confirm the validity of the check before taking such extreme action. The funds were legal, and I can verify that the check was issued directly to me by the federal government. 

Their failure to follow reasonable procedures and their unjustified decision to shut down my account has caused me significant distress and financial disruption. I believe this constitutes a violation of my consumer banking rights, and I am requesting the CFPB to investigate this matter. 

Requested Resolution : Immediate review and correction of Citibanks actions Release of any held funds, if applicable Reinstatement or proper closing procedures of my account with full transparency Confirmation that no negative banking or credit reporting has been made as a result A formal apology and explanation from Citibank I have documentation to support this claim and am happy to provide a copy of the IRS-issued check and any communication from Citibank.

Thank you for your time and attention to this matter. I request a prompt investigation and resolution. 

Sincerely, 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint against TransUnion for its complete failure to respond to a formal credit dispute I submitted in accordance with my rights under the FCRA. This negligence has caused direct harm to my credit profile and financial wellbeing. 
On XX/XX/year>, I mailed a detailed dispute letter via USPS Certified Mail ( Tracking Number : XXXX ), requesting TransUnion to investigate and correct the following inaccurate or unverifiable items on my credit report : 1. XXXX XXXX  Bankruptcy ( Reference # XXXX ) Supporting documentation included, such as : a copy of the PACER case summary and a copy of my credit report, highlighting the errors. 
2. XXXX XXXX Bankruptcy ( Reference # XXXX ) Supporting documentation included, such as : a copy of the PACER case summary and a copy of my credit report, highlighting the errors. 
3. XXXX XXXX XXXX Account # XXXX - Included a copy of my credit report, highlighting the discrepancies. 
4. Inaccurate personal information listed on my credit profile.

To comply with identity verification requirements, I enclosed the following : A government-issued photo ID, a copy of my social security card and a recent utility bill displaying my current address USPS tracking confirms that the dispute was delivered to TransUnion on XX/XX/year>. As of todaywell past the 30-day window allowed by lawI have received no acknowledgement, no results, and no communication from TransUnion. 
This inaction represents a clear violation of federal law. TransUnion is legally required to conduct a reasonable investigation and provide written results to the consumer within 30 days of receiving a dispute. Their failure to do so obstructs my ability to maintain an accurate credit report and directly impairs my financial standing, including credit access and lending decisions. 
This level of noncompliance raises serious concerns about TransUnions internal procedures, regulatory oversight, and commitment to consumer protection.

As supporting evidence, I have attached the following documents : a copy of my original dispute letter with Identity verification documents and the USPS Certified Mail receipt Tracking 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 2025-07-09 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: NC

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

1681c-2 ) that you, the Equifax Information Services , 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-09 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: AL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received an email from chime that my account will be closed on XX/XX/XXXX. I then called to figure out why but they said they couldnt directly tell me why and said theres no one else I could speak with and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I tendered a lawful settlement via XXXX for XXXX, in good faith and with clean hands, which Freedom Mortgage failed to honor. Freedom Mortgage failed to provide full disclosure of the securitization and transfer of the promissory note. No rebuttal or lawfull response was received within the time provided under UCC. This constitutes a dishonor in commerce under UCC 3-505, and 3-603 and creating a default and account receivable.

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 2025-07-09 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: NC

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

1681c-2 ) that you, the Experian Credit Services , 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 XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00}

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 2025-07-09 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: CO

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FIRST PORTFOLIO SERVICING INC
State: AZ

Complaint narrative:
MOTION TO QUASH GARNISHMENT AND REQUEST FOR HEARING COMES NOW, Defendant XXXX XXXX, and respectfully moves this Court to quash the current garnishment issued on XX/XX/XXXX, for the following reasons : On or about XX/XX/XXXX, the Plaintiff obtained a garnishment order and collected funds from Defendant 's wages. 
These funds were later returned following the Courts Order Discharging Garnishee on XX/XX/XXXX, due to an invalid debt or procedural defect. 
Despite this, the Plaintiff has filed multiple additional garnishments in this same case, attempting to collect on the same alleged debt that was previously deemed invalid for garnishment and refunded.

Plaintiff 's repeated garnishment attempts on an invalid debt are improper and potentially abusive.

Defendant requests that the Court : Quash the current garnishment.

Order Plaintiff to cease further collection attempts on this debt without new legal authority. 
Schedule a hearing on this matter if necessary. 

I have also tried calling them twice to day alone they have hung up on me every time I ask for a manager or I spoke with one lady and she was trying to get a answer and pretended to hear me but you can see from call recording she just ignored me I will attach both call recordings they are also upping the amount that was approved for garnishment from XXXX to roughly XXXX $ they have tried 5 times for this garnishment I have attached my credit reports showing this collection has been removed from credit as well. this company has multiple class actions lawsuits for deceptive parties and lies

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OH

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 non-monetary relief
Consumer complaint received 2025-07-09 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
b'TD Retail Card Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\nPurchase TV Online from XXXX Financed with XXXX.  Purchased white XXXX XXXX  TV did not work.  Tech Support said it was broken and could not be fixed and set up free pick up since I had XXXX XXXX XXXX  Information was never supplied to the XXXXXXXX XXXX XXXX even though XXXX XXXX and XXXX XXXX XXXX claims they handled everything. XXXX XXXX  said I had to fix it with TD Bank.  TD Bank refused to investigate since they said they have nothing to do with XXXX  and are only the financing arm.  TD Bank says the finance company was actually XXXX XXXX XXXX  which does not exist anymore and that TD XXXX  Customer Service was supposed to fix it.  TD XXXX  says they have nothing to with with XXXX  and has severed their relationship with them.  All they know is the original charge was XXXX other than that they know nothing. I was advised the CFPB needs to ask them to investigate and report the conclusion.'

Company response to consumer: Closed with explanation