vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I made a reservation and prepayment of {$340.00} with my Chase credit card for an XXXX rental car. On XX/XX/year>, I was incorrectly charged an additional {$150.00} on my Chase credit card. After notifying the business, XXXX, of problems I experienced with their services and the overbilling, XXXX admitted in writing that they made multiple mistakes, credited {$42.00} to my Chase credit card account to compensate me for additional rideshare transportation that were necessary to correct XXXX ' mistake, and notified me in writing that they would review the overbilling problem. Billing documentation is attached, and written messages from XXXX are attached. This documentation was provided to Chase. However, after XXXX stopped responding to my communications about the overbilling, I filed a dispute with Chase on the credit card account website. Copies of additional letters sent to Chase through their online dispute website are also attached. Unfortunately, Chase then engaged in fraud with the business, XXXX, and theft of my funds, finally culminating with the attached letter from Chase on XX/XX/year> with fraudulent documentation : XXXX. Chase took the {$42.00} credit that I had received from XXXX without any explanation. This was clearly a theft of funds by Chase. 

XXXX. Chase responded to the dispute using fabricated fraudulent documentation from the business, XXXX, using billing dollar values that are clearly inconsistent with the originally agreed quote from XXXX and original billing on the credit card. Chase knowingly presented this documentation that was fabricated after the rental period was complete and after the dispute was submitted in an act of fraud. ( Chase letter and fabricated fraudulent receipt attached to the Chase letter. ) Chase has clearly engaged in criminal acts of fraud to aid the business with the billing dispute and theft of funds in taking the original credit to my account.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint against TransUnion as a new complaint with additional evidence regarding their continued failure to properly handle my dispute under the FCRA. This is not a duplicate complaint, and it reflects ongoing harm caused by TransUnions actions. The disputed account, XXXX XXXX XXXX/ XXXX XXXX XXXX, Account Ending in XXXX, Resurgent ID XXXX, in the alleged amount of {$770.00}, has been removed from my credit report, but prior to its removal, TransUnion failed to properly reinvestigate despite receipt of all required documentation, including my FTC Identity Theft Report, XXXX and XXXX reinvestigation results, and proof of identity. 

TransUnion falsely claimed that my dispute was unauthorized, failed to reinvestigate in a timely manner, and violated FCRA 1681i ( a ) and 1681s-2 ( a ) ( 1 ) ( A ). As a result, I suffered financial and emotional harm, including the denial of a XXXX XXXX  loan for my dependent daughter, causing immediate hardship for tuition and living expenses, and stress impacting my familys well-being. 

These actions constitute willful violations of the FCRA, including 1681i, 1681s-2, 1681n, and 1681o. TransUnions delay and obstruction of a proper reinvestigation, even though the tradeline was eventually removed, caused tangible harm that I am requesting be addressed. I request that the CFPB direct TransUnion to confirm in writing that the account was removed appropriately, document the reinvestigation timeline, and provide statutory damages of {$1000.00} for willful FCRA violations. 

This complaint includes all supporting evidence and documents new harm not previously submitted. I certify that the information is accurate to the best of my knowledge and request prompt action to ensure TransUnion complies with federal law and prevents further harm to myself and my dependent.

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 — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My Nordstrom/TD Bank credit account was charged off and subsequently sold to XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and standard credit-reporting practices, when an original creditor sells or transfers a debt, they are required to update the account to reflect a {$0.00} balance and indicate that the debt has been sold or transferred. 

However, Nordstrom/TD Bank continues to report an outstanding balance on my credit reports, despite no longer owning the account. Because the debt has been sold, Nordstrom/TD Bank is no longer the legal owner of the debt and should not be reporting an active balance. 

This inaccurate reporting is misleading, creates duplicate liability, and constitutes a violation of my rights under the FCRA.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX Data Breach XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX I write as a XXXX XXXX  for XXXX XXXX XXXX that has experienced identity theft, my personal information was stolen during the XXXX, and Experian data breaches and my SSN was used as a personal gain for a scammer. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} : Fraud Date : XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXXBal. {$33000.00} : Fraud Date : XX/XX/XXXXXXXX  CREDITORS LISTED has failed to provide the original ( wet signature ) documents, including the Deed of Trust and the Promissory Note and proof of accuracy.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On XX/XX/year> me and my wife was visiting XXXX XXXX and we were XXXXXXXX XXXX XXXXXXXX. The XXXX XXXX  forced me over a 3 day period to withdraw money from XXXX of the ATM debit cards. they XXXX XXXX and XXXX XXXX my wife and they put XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX if i did not do exactly what they said. I was forced to withdraw a total of {$4000.00} from XXXXXXXX XXXX XXXX XXXXXXXX XXXX card over 3 days and {$2900.00} from my navy federal debit card and {$2000.00} on my wells fargo debit card. after being release from the XXXX  i immediately file police report with the XXXX  police authorities and my wife was taken to hospital to be treated for her injuries. I contacted my banks and informed them of what happened to me and my wife. I filed the disputes on all of the transactions and the banks all denied my complaint s i had given the banks the police report number of the XXXX  police authorities and they never contacted the police authority 's they just denied my claim with a XXXX  statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
This is concerning chime financial institute. On XX/XX/year> my account my checking account was broken into. An individual stole my phone and got into my account through my phone and removed all my money. She was even able to get credit from XXXX in my account. There were XXXX disputes that I put in. They approved too but then they said that I had to pay because I was overdrawn so they took that money. I filed the police report. I gave them the name the address the phone number of the person that broke into my account. All the transactions occurred XX/XX/year> from about XXXX p.m. to XXXX p.m. at night.they were all done the same day. Chime representatives told me I was a liar they continuously hung up on me they would not do anything to help me they said that I was the one that did the transactions and I was a liar. I have included all the paperwork that I sent to them. They said don't worry your account is secure yet then individual that broke into my account was trying to remove {$80.00} at the same time I was speaking to the fraudulent department with Chime. They said I was still lying. They said I would be getting a new card because they close the old card. They sent the new card with my name to that person that broke into my account they sent the card to her address I still have the card they said I was a liar that they didn't do that Yes they did because on the envelope there's the address that they sent it to they sent it to the person that broke into my account and took all my money they sent my new chime card to her. They refuse to give me back my money that that person took out. I've included emails where time changed my email to the other person 's email. Chime was changing my whole account to that person 's phone number email address everything. Then chime said that I called the next day and I told them to stop the disputes cuz I didn't want to do it anymore. I never did I said why would I open XXXX disputes and then call the next day and tell you guys I to cancel them that I changed my mind. They did everything they could so they wouldn't have to give me my money back. They hung up on me they called me a liar they refused any evidence that I had to show them that it wasn't me at the end of the day they called me a liar and they said that my disputes were denied. They never sent me paperwork explaining how did they do their investigation or how did they come to the conclusion that I was lying and I stoled my own money. Chime financial institute is a scam business. I am not the first one that they have taken my money there's many people out here in the United States that have gotten ripped off by trying financial institution and there's nothing that we can do.

Company response to consumer: Closed with monetary relief
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: FL

Complaint narrative:
TransUnion and Experian are reporting multiple accounts that Equifax already deleted as unable to verify. This proves the accounts are unverified and inaccurate. Both CRAs violated FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 7 ), and 623 ( a ) ( 1 ) ( A ), plus Metro-2 compliance requirements. Their verified responses were generic and did not include the legally required Method of Verification. I request deletion of all accounts XXXX  removed, including XXXX XXXX, XXXX XXXX, and all medical/financial collections. CRAs must provide actual contracts, chain of title, and full verification documents. If they can not produce legally admissible proof, these accounts must be deleted.

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 2025-11-16 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: TN

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 XXXXXXXX XXXX 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 2025-11-16 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: TN

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX # XXXX XX/XX/2022 -- {$0.00}

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 non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibanks Citi Benefits department has failed to issue the reimbursement owed to me for a benefits claim I submitted and was approved for following the XXXX fires in XX/XX/year>. Despite providing all required documentation and repeatedly contacting Citibank for an update, the refund has not been paid out and I have not received a clear explanation for the delay. I am requesting CFPB assistance to compel Citibank to release the approved funds and resolve this matter promptly.

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 monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX XXXX bank does not feel like a reputable bank. I contacted XXXX XXXX about a loan. XXXX was at XXXX XXXX. XXXX told me he was transferring to XXXX XXXX XXXX He asked if I would apply through XXXX XXXX XXXX via XXXX XXXX as the loan XXXX. I was very upfront about loan needs. This was a XXXX home in XXXX. I had taken personal loans to finish the home which dropped my credit score. I hav previously had credit scores of XXXX. I have an excellent job and make good money. I was told the credit drop was an issue but there was a request for managerial approval to process the application. I had to pay an application fee of {$490.00}. I inquired if the loan was likely to be processed prior to paying the fee. I received an almost instant loan denial letter. I asked what happened. I was told the credit score and XXXX home status were deemed high risk. I said no one mentioned anything about a XXXX home high risk concern and I asked prior to paying application fee if loan XXXX felt confident application would be approved. After denial the XXXX and XXXX folks XXXX XXXX and XXXX XXXX just wanted me to go away. I requested a refund of the {$490.00} as I felt this was a money grab and I was scammed.

Company response to consumer: Closed with monetary relief