vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX CPS Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am submitting this formal complaint against National Credit Adjusters debt collector and debt buyer currently attempting to collect on an account allegedly associated with XXXX XXXX located in Alabama in the amount of XXXX. The account is being reported to the 3 major credit bureaus and contains multiple legal and factual inaccuracies that violate both state and federal consumer protection laws. 

After reviewing my credit report I noted the account with National Credit Adjusters. This account is reporting with all XXXX major bureaus. I have disputed this account a total of 9 times. 3 times at each bureau. They all state National Credit Adjusters is verifying and validating this debt. I have never spoken with National Credit Adjusters regarding this account. The account being reported is woefully inaccurate and contains many errors on my credit report, which they refuse to address. I mailed a debt validation letter to them on XX/XX/year> and I have not received a response as of today. 
Key Issues : 1. 1692e False, Deceptive, or Misleading Representations 1692e ( 2 ) ( A ) Misrepresentation of the Character, Amount, or Legal Status of a Debt Violation : Reporting conflicting balances, incorrect dates, or re-aged debts across the credit bureaus misrepresents the legal status and time-frame of the debt.

1692e ( 8 ) Reporting False or Inaccurate Credit Information Violation : Failing to report the Date of First Delinquency ( DOFD ) or showing inconsistent removal dates is considered materially misleading and can misrepresent how long the debt will impact my credit. This is especially egregious when the account is in dispute and the dispute is not properly flagged.

1692e ( 10 ) Use of Deceptive Means to Collect or Attempt to Collect a Debt Violation : Including narrative codes such as Repossession, Foreclosure, or Voluntary Surrender for a retail debt is both inaccurate and deceptive, potentially misleading both myself and lenders.

1692g Failure to Validate Debt 1692g ( b ) Continued Collection Activity Without Proper Verification Violation : submitted multiple disputes and requested validation of Debt but NCA continues to report or collect without providing validation of the debt ( e.g., a contract, itemized breakdown, chain of ownership ), they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on 07/14/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Im reaching out for your assistance regarding an issue Im facing with Citizens Bank that has negatively impacted my credit report. 

In XX/XX/XXXX, I financed a mobile loan through Citizens Bank via XXXX. XXXX and I were both responsible for monthly payments. I was told by XXXX that initial amounts might be incorrect and to just make minimum payments until the system updated. I made lump-sum payments regularly during that period. 

On XX/XX/XXXX, I received an email from Citizens stating more payment was needed. I contacted their customer service and was told to pay {$81.00}, which I did. They also told me any over-payments would be refunded at the end of the 24-month contract. I received confirmation of this payment. 

After returning from a trip to XXXX XXXX, I received XXXX  alerts that my Citizens Bank account was reported delinquent. On XX/XX/XXXX, I spoke to rep ID XXXX and paid another {$39.00} for the next month. I was told to email them to correct the credit report. 

Later, I received a letter claiming my account was past due by {$8.00}. When I called on XX/XX/XXXX at XXXX XXXX, I was told the account was current and nothing had been reported. Yet, my credit report still shows a 30-day late mark. 

All my efforts to resolve this directly with Citizens Bank have been unsuccessful. Additionally, there is no direct contact information for their credit reporting department. I believe that Citizens Bank has provided inconsistent and misleading information regarding my payments. I followed their customer service guidance in good faith and made the required payments. If their representatives gave me incorrect information, they should be held accountableit should not result in damage to my credit history, which has been flawless for 25 years without a single late payment. 

I would appreciate your help in resolving this issue, including any steps we can take to compel Citizens Bank to correct the inaccurate reporting. 
Please let me know how we can proceed and what documents you need from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is the third time this year Ive had to deal with JPMorgan Chase regarding serious breaches to my online banking account. Most recently, on XX/XX/2025, a hacker bypassed my two-factor authentication, obtained a temporary password from customer service, logged into my account, changed passwords and added unknown recipients to XXXX, and rapidly transferred funds. 

Shockingly, Chase chose to side with the hackerfinalizing the transaction and denying my dispute claim on the grounds that I had recently used XXXX  and logged in similarly. As a client, this feels like a complete betrayal. Instead of protecting victims, Chase is enabling fraud. 

Isnt it time for some serious reflection on why your identity verification keeps failing and why bad actors consistently manage to exploit your system?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
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 XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX. On XX/XX/year>, XXXX, I wired {$20000.00} from checking account # XXXX to # XXXX ; but now the money is not in either account. 
XXXX. On XX/XX/year>, XXXX, XXXX hours after the wire, I asked Bank of America where my money is. They told me : 1 ) the money was on hold because the system did not recognize I owned both account so they did not wire the money. 2 ) I told them to cancel the wire and fee, and return the money to my # XXXX account. They agreed. 
XXXX. However I still do not see the money as of today, five days later. In the meantime some of my accounts showed negative balances.

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 2025-07-14 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: DISCOVER BANK
State: GA

Complaint narrative:
I was a victim of the XXXX  XXXX  data breach and several accounts was open in my name. I was only XXXX when the first account was opened in my name. I am a XXXX  XXXX  and these accounts were opened in my name without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was a victim of the XXXX  XXXX  data breach and several accounts was open in my name. I was only XXXX when the first account was opened in my name. I am a XXXX XXXX  and these accounts were opened in my name without my knowledge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

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 Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Robinhood has withheld over {$6300.00} of my funds for two months. I submitted the required check request form three times. Each time I receive a copy-paste reply saying the check will arrive in 23 weeks. It never arrives. I am being blocked from accessing my own money. XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

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 XXXX  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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, JPM Chase received a formal dispute pursuant to 15 U.S.C. 1681, regarding the reporting of inaccurate and incomplete account information. These disputes specifically identified errors and requested deletion or correction. Despite receiving this dispute, JPM Chase failed to fulfill its statutory obligations under 15 U.S.C.

1681s-2 ( b ), including conducting a reasonable investigation ( 1681s-2 ( b ) ( 1 ) ( A ) ), reviewing all relevant information ( 1681s-2 ( b ) ( 1 ) ( B ) ), and correcting or deleting the information found to be inaccurate or unverifiable ( 1681s-2 ( b ) ( 1 ) ( E ) ). The continued reporting has negatively impacted my credit profile. Please see attachment for specifics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I am filing a complaint regarding a {$44.00} late fee assessed by Citi on my credit card account, which I believe was charged in error due to the banks own payment processing delay not my failure to pay on time. 

Here is the timeline : I paid off my full card balance in XXXX ( payments on XX/XX/year>, and XXXX ) Citi then assessed {$170.00} in residual interest, which I scheduled for payment on the exact due date, XX/XX/XXXX Although I scheduled the payment on time, Citi did not process it until XX/XX/XXXX As a result, a {$44.00} late fee was added to my XXXX statement This late fee is inaccurate and unfair, as I made every effort to pay on time and did so in good faith. The delay was on Citis side, not mine. I escalated the issue to both customer service and a supervisor, but they refused to waive the fee.

I am requesting the CFPB to review this as a potential violation of the Truth in Lending Act ( TILA ) and CFPBs billing error resolution standards, which prohibit penalty fees when the consumer has fulfilled their obligation on time.

I am asking that Citi : 1. Remove the {$44.00} late fee 2. Correct any negative account notations related to this I have documentation of all payment dates and transaction details if needed

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 2025-07-14 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: AL

Complaint narrative:
I was alarmed to discover that my credit report has been accessed without my knowledge or authorization. Applications were submitted in my name, and companies pulled my credit report without my consent. I do not recognize these inquiries, nor did I apply to or engage with these entities. This is a clear violation of my rights as a consumer.

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