vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
I am submitting this letter as my second formal dispute regarding multiple inaccuracies appearing on my Experian and TransUnion credit report. Despite my previous dispute submission and the documentation I provided, the errors outlined below remain uncorrected, which continues to misrepresent my credit history and adversely affects my creditworthiness. The ongoing reporting of inaccurate information is causing unnecessary harm to my ability to obtain financial products under fair and reasonable terms, and it is also damaging my financial reputation. I am requesting a thorough reinvestigation, verification, and updating of all inaccurate information in compliance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ), to ensure my credit file reflects only accurate, complete, and verifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions reporting of late payments, charge-off, and/or closed account information.

Prior to negative reporting, I provided Navy Federal with notice and documentation of medical hardship and loss of employment and requested assistance to maintain the account in good standing. No reasonable hardship accommodation or alternative payment options were provided, and the account was reported negatively after documentation had already been submitted.

I have disputed this reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Navy Federal has failed to demonstrate that it conducted a reasonable investigation or that the reported information is accurate and complete. 

Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), furnishers are prohibited from reporting unverifiable or misleading information and must correct or delete inaccurate reporting. 

If Navy Federal can not substantiate the accuracy of all negative information, immediate deletion is required by law.

I am requesting that the CFPB : Require Navy Federal to fully investigate this matter Enforce correction or deletion of late payments, charge-off, and closed account reporting Address Navy Federals failure to offer hardship assistance following documented medical and employment hardship

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I strongly suggest your organization investigate the practices of Truist as they have very concerning privacy practices that constitute privacy and identity breaches. Tonight, I called to check the status of my debit card that I was forced to request on XX/XX/scrub>XXXX due to unauthorized charge. On XX/XX/year> I get and email that my card has shipped and should be delivered on or before XX/XX/scrub>XXXX  Today, XX/XX/scrub>XXXX  I get a call that my debit card was delivered, but when I checked my mail it wasn't there. I received two other pieces of mail but a debit card from Truist was not one. 

I called XXXX Truist for an explanation and I was very troubled by the three times I had to call in. 

First of all, I have never called any bank and that bank is asking me to verify my account by my Username/User ID + FULL SOCIAL SECURITY NUMBER + FULL ACCOUNT NUMBER. THAT IS NO LEVEL OF SECURITY. The first guy, XXXX, tells me that the email I received today doesn't mean what it says and that it means my card is shipped. 

I called a second time because the " account number '' in the email doesn't correspond with my checking account so I called to verify what account had been noted on that email. This second time that I called, the agent was very unprofessional and requested the identification credentials as stated above. I refused to speak with her and we exchanged not nice close and I hung up to call a third time. This time I wanted to file a complaint on the second agent I spoke with about the lack of professionalism and the " verification request ''. I was assured a complaint would be lodged. 

Then I go over to review privacy policy and see that my account and sensitive personal data is, WITHOUT MY CONSENT, being shared with and sold to third-party " affiliates ''. 

This is very concerning and it's safe to say any recent data breaches with Trusit 's banking customers is internally caused and managed I STRONGLY advise anyone with a Truist account to immediately login and go over to their " Privacy Center '' and see what they have been doing with your and " sensitive '' 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 explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am the victim of ongoing identity theft involving multiple Discover credit card accounts that I did not open, authorize, or use. These accounts were opened without my knowledge using inaccurate personal information, including an address that has never belonged to me. I did not apply for these accounts, did not receive any cards, and did not benefit from any transactions. 



For over a year, Discover ( now XXXX XXXX ) has repeatedly verified and reported these fraudulent accounts to the credit bureaus despite my continuous disputes, police reports, and an FTC identity theft affidavit. Discover has admitted in writing that it was unable to verify my personal identifying information and closed the accounts for that reason. Despite this admission, Discover continues to report me as responsible and repeatedly re-verifies and reinserts the accounts after they are blocked for fraud. 



The fraudulent accounts currently being reported have alleged balances of approximately {$2500.00}, {$1700.00} and {$0.00}. Discover has never produced a signed application, valid identity verification, proof of delivery, or documentation showing I opened or agreed to these accounts. Their own records show correspondence and alleged delivery to an address that has never been mine. I did not contact Discover until after these accounts appeared on my credit reports, yet Discover improperly uses post-discovery contact as justification to claim account ownership. 



Each time I dispute these accounts with the credit bureaus, they are temporarily removed, only to be reinserted shortly thereafter without new evidence. This cycle has occurred repeatedly, causing ongoing financial harm, damage to my credit profile, and emotional distress. Discovers actions violate identity theft protections and the Fair Credit Reporting Act by furnishing and re-furnishing information they know or should know is inaccurate. 



I am requesting CFPB assistance to require DiscoverXXXX XXXX to permanently remove and block these fraudulent accounts, cease verification and reinsertion, and correct all inaccurate reporting related to this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this letter as my third formal dispute regarding multiple inaccuracies that continue to appear on my Equifax, TransuUnion and Experian credit report. Despite prior dispute submissions and the documentation I provided, these accounts remain inaccurately reported, misrepresenting my true credit history and causing significant financial harm. The repeated reporting of unverifiable and inconsistent account information obstructs my ability to obtain credit at reasonable terms and affects my overall financial standing. I am requesting a comprehensive reinvestigation of each account listed below, in full compliance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ), to ensure that my credit file reflects only accurate, complete, and verified information. 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$52000.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX XXXX  Date of Last Activity : XX/XX/year> Balance Owed : {$7300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-24 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: CA

Complaint narrative:
On XX/XX/XXXX Ive noticed XXXX dollar XXXX transaction was processed the day before but not authorized by me I contacted Chase for a refund because this money was sent to an unknown person after several days of waiting and 2 appeals with uploaded images to help my case Chase still wont refund my XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In prior CFPB complaint # XXXX With XXXX XXXXcompany responded with inaccuracies stating that As of the date of the response letter, the account balance is {$15000.00}. This is inaccurate as it shows different balance amount on my TransUnion, XXXX, and XXXX  profiles. The balance amount shows {$17000.00}. Also vehicle has been repossessed by XXXX XXXX since XX/XX/year>. And still shows up Derogatory on my credit report as recent as XXXX XXXX repossession can only report 7 years from the original delinquency date NOT from when the car was taken, not from when it was sold, not from when a balance was charged off. If they are updating the date to keep it on longer, that is illegal re-aging and is grounds for deletion under Title 15 USC 1692e ( 4 ) and 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.This letter serves as a formal pre-arbitration demand and notice of intent to initiate legal action under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), as well as any applicable state and federal consumer protection statutes, regarding the unlawful credit reporting activities conducted by your company. 

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 2025-12-24 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: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because EQUIFAX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX  Account # XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I noticed that inaccurate late payments are still appearing on my credit reports this morning, and I do not understand why. The inaccurate late payments were not removed after I refreshed my browser. Because of this problem, I am requesting that the documents I have sent be reviewed thoroughly so I never have to worry about this again.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
As of yet I have not gotten any communication back phone calls still persist to my home as well as to my employer. 
Cease and Desist was sent out certified mail on XX/XX/year> Direct dispute was sent out on XX/XX/year> call was received on XX/XX/year> @ XXXXXXXX XXXX  The following script was read. 
This call is being recorded I am disputing the validity of the referenced account under the fair debt Collections Practices act. 
Please provide The name of the original creditor Please provide a copy of the original signed contract please provide the complete payment history please provide proof of ownership of this debt please provide proof of permissible purpose to report this account Do you identify as a 3rd party debt collector I have not and will not enter any contract with you! 
please present reasoning that this account states that it was opened on XX/XX/year> without any of my knowledge what so ever and you are claimed as the original owner! 
This is a false statement! I have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
These debt collectors have contacted me repeatedly over the course of several months, often calling multiple times per day. I have clearly and repeatedly asked that they stop contacting me. Despite these requests, the calls have continued. 

I have also informed them that I do not know the individual they are attempting to reach. In response, the representative became argumentative and rude. 

After blocking the number they were calling from, the company continued to contact me by switching to different phone numbers and calling again within minutes. This pattern of behavior has continued despite my repeated requests for them to cease communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NY

Complaint narrative:
Chase denied my dispute and later refused to consider new documentation because of an internal deadline, despite evidence that the merchant of record confirmed my transaction was complete and that shipment would occur, and then failed to deliver the goods. The denial relied on a third partys post-payment request for additional funds, which was not disclosed at checkout and can not retroactively condition delivery. I am requesting review of Chases refusal to consider the merits of this non-delivery dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing this complaint regarding PenFed Credit Unions reporting of late payments, charge-off and/or closed account information that I have disputed. 

Before the account was reported negatively, I notified PenFed Credit Union of medical hardship and loss of employment and provided supporting documentation. Despite this notice, PenFed failed to provide alternative payment arrangements, hardship accommodation, or any documented effort to bring the account into good standing. 

PenFed subsequently reported the account with negative information, which I dispute as inaccurate and incomplete under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Under FCRA 623 ( b ), PenFed is required to conduct a reasonable investigation and verify the accuracy of all information reported. To date, PenFed has failed to provide documentation validating the reported late payments, charge-off status, or compliance with Metro 2 reporting standards.

If PenFed can not verify the accuracy of this information, federal law requires immediate removal or correction of the negative reporting. 

I am requesting CFPB intervention to : Require PenFed to substantiate all reported information Enforce deletion of unverifiable late payments, charge-offs, or closed account notations Address PenFeds failure to provide hardship assistance after documented job loss and medical hardship

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: VA

Complaint narrative:
I again opened a dispute because my account keeps being charged for items Ive already paid for or dont owe. My account is currently overdrawn by an amount that only XXXX $ was sent and XXXX $ was suppose to be sent and the company provided emails no provisional credit would be given so they opened the dispute that was denied and closed and said they can take whatever amount and my spot me for overdraft protection was not given on my account and the bank is just charging and overcharging my account. I am sick of this and I have stopped deposits into the account I want this fixed now. And my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
i recenty review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain Credit

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