vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
I Made my mortgage payment with First horizon bank 3days before the mortgage due date on my online app back at the end of XX/XX/year> and in the amount of XXXX and First horizon bank posting my account on XX/XX/year> which led to a 30day late on my credit report which I showed them and they have yet to reverse this error due there posting date! This is the third time this has happened to me and have yet to fix it! 

I also just received another 30day when I made payment over the phone with a live rep XX/XX/XXXX and received confirmation number via emaiI made payment from XXXX XXXX  and it was paid then reverse my contact with Bank to tell what happened they had explanation on why payment was reverse! I spoke with XXXX and he tried to resolve it but no one had ant explanation on why it was returned. XXXX XXXX  stated that I gave them the right routing and account number and First horizon bank confirmed it as well and the funds where available. I had pull the money from XXXX XXXX  to personally go pay First horizon bank for my mortgage payment. They Month of XXXX XXXX and XXXX all been reported late and I was one all three months. Please resolve this and Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
In XX/XX/year>, my former landlord ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX sent a move-out statement claiming I owed {$350.00} for cleaning, carpet, and other fees. I immediately reviewed their calculations and provided written documentation showing that several charges were incorrect or unsupported by evidence. 

Specifically, I pointed out that ( XXXX ) a duplicate garage fee had already been credited ; ( XXXX ) a {$44.00} insurance refund was previously promised but never issued ; ( XXXX ) the {$30.00} carpet deep clean was unjustified, as photos showed the carpet in good condition; and ( XXXX ) damage and tile-cleaning fees were for pre-existing conditions documented at move-in. My husband and I provided time-stamped photos and multiple written explanations. 

Despite these communications, the landlord refused to correct the charges or provide a breakdown supported by evidence. Instead, they referred the disputed amount ( around {$350.00} {$360.00} ) to National Credit Systems ( NCS ), a debt collector in XXXX, XXXX NCS then reported this inaccurate debt to the credit bureaus. I disputed the entry directly with NCS and the credit bureaus, supplying the same documentation proving the balance is wrong. However, NCS failed to delete or correct the tradeline and continued to report it, which lowered my credit scoreeven though the account is marked as disputed. 

This situation violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that both the landlord and NCS be investigated, that the inaccurate collection entry be deleted from my credit reports, and that my credit score be restored to its previous level.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I made a mistake on a payment and accidentally paid XXXX on my credit card payment instead of a payment of XXXX dollars. I contacted XXXX XXXX and then the credit card company. When on the phone with customer service I got a refund. I was credited back XXXX dollars, which I paid XXXX. That XXXX dollars difference was for XXXX payment and the late fee, which the customer service department and I agreed to pay XXXX for the XXXX dollar payment and for the late fee. The XXXX dollars was never shown on my statement and the. I got a XXXX dollar interest fee for a purchase. I paid the XXXX dollars before I made the purchase. They then said that it was still late, when I did pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a payment to Capital One in the amount of {$380.00}. For the past week, I have been operating on the basis that my Capital One bill has been paid off. The money was taken out of my account and it has been marked on my bank statements. While using my card today, I was declined a transaction and after calling my bank ( Citibank ), I learned that they had not taken out the payment I had initiated. Citibank first told me that I had insufficient funds in my account but after pushing further, they soon told me that they intentionally delayed my payment because companies like Capital One fall under ACH. 

I have been banking with Citibank for over XXXX  years and not once was I ever notified of this. Though I see it explains a lot because this is not the XXXX  time Citibank has purposefully delayed a payment until my account overdrafts. Now, I am late a payment and Citibank refuses to look into the issue to compensate me.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I submitted a timely Validation of Debt request to JEFFERSON CAPITAL SYSTEM regarding Account Number : XXXX * * * * for the alleged balance of {$1400.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, JEFFERSON CAPITAL SYSTEM failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting a review of these accounts, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
CLAIM DCC XXXX XXXX XXXX XXXX was debit from my checking account from XXXX XXXX times {$1000.00}, {$3600.00}, {$3500.00}, {$1500.00}, {$3000.00} and {$2000.00} this wasn't fraud. THis was charge i never authorized to withdraw from my checking account. I never authorized this nor I never gave my card to anyone else to use. 

Citizens Bank refuses to return my funds and they wont even take action to dispute to try to recover these funds. I continue to open a dispute they close the dispute right away each time. 

I am reaching out as I want to officially dispute these funds and to perhaps return my money. While a dispute is being researched. 

CLAIM DCC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am aXX/XX/XXXXXX/XX/XXXX, and my name has legally changed as part of that process. I have had to make several phone calls to American Express in an attempt to get my name in my account with them updated to reflect its new legal reality, and have received a different answer from them every time always containing new information and asks. I believe this is discrimination against me due to my status as a XX/XX/XXXX, as the name change request is from an obviously masculine name to an obviously feminine name, and subsequent asks contain information that is not at all documented on their online name change form. 

Step XXXX : I fill out the name change form online, which as the attached screenshot shows, clearly only asks for " a copy of your state-issued ID, driver license, or US passport that shows your new name ''. This is around XXXX 2025. 

Step XXXX : I received a message from American Express saying that they can't process my request and that I need to additionally provide them with a copy of my updated Social Security card. I am given information from the customer service representative via chat that contradicts their online name change form which does not request a Social Security card. This conversation occurred on XXXX XXXX, 2025, screenshots of the relevant section of this chat are included with this complaint. 

Step XXXX : On XX/XX/year>2025, I call American Express. I am told over the phone by the customer service representative that I need to resubmit the documents, which is easier said than done since their name change form only takes XXXX updoaded document, something that the customer service agent claims to be surprised by. They are eventually able to provide me with a document upload link that does accept multiple uploads. 

Step XXXX : On XX/XX/year>2025, I call American Express customer service yet again. After being placed on hold, I am told that they can't process the request until they have received the legal name change notice, something that ( like the Social Security card ) is not mentioned as being necessary on their name change form. When I bring up to the customer service agent that it's patently ridiculous that they expect multiple forms of documentation but only except XXXX upload on their name change form, she suggest that " most people just combined the pictures into XXXX PDF '', something that is definitely not requested or mentioned on their name change form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/scrub>XX/XX/XXXX our account was restricted because of suspicious activity.. explained that our family deposited money via XX/XX/XXXXthen we realized thats the suspicious activity .. didnt know NFCU doesnt except it. Of course no one had told us or has spoken to us because we are in a pile of many others having issues in there security dept. We have sent any and all forms to them including snail mail to release our account .. we are waiting over XX/XX/XXXXdays and have no food for us or the dogs.. I am XXXX XXXX and my husband is too. Please help us they wont unlock .our accounts. we are in rural Michigan and need to get medication and food .. sincerely XXXX XXXX XXXX

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
On XX/XX/XXXX I made written payment arrangements for {$9700.00} into 30 payments in the amount of {$310.00} starting XX/XX/XXXX with final ( 30th ) payment due date XX/XX/XXXX. 
I left a voice message on XX/XX/XXXX to their toll free # regarding the inconsistent balance on the monthly letters. The balance never goes down, only up. 
On XX/XX/XXXX, I received a call from their rep XXXX XXXX. I explained that my XXXX XXXX  monthly payment reminder from XXXX XXXX shows balance {$6000.00}. However, the XX/XX/XXXX balance shows {$6000.00}. This is higher than the XX/XX/XXXX balance and inconsistent with on time monthly payments. I asked the representative for a written copy of the payments and any interest or fees and he said that the system is automatic and can not be changed therefore I only owe what I think I owe, not what the letter says. He said I would not be responsible for any fees or interest. Also, the website does not display any details on the account. I need account details and he refused to provide.

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 2025-11-10 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA XXXX ( 15 U.S.C. XXXX ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA XXXX & XXXX. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing INNOVIS DATA SOLUTIONS, INC. to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CBC Companies, Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA XXXX ( 15 U.S.C. XXXX ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA XXXX & XXXX. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing INNOVIS to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXXB ( 15 U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-11-10 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: CA

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) 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 explanation