vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
TransUnion is inaccurately reporting a XXXX account as a Charge-Off despite the fact that the account has a XXXX balance, XXXX monthly payment, and no past-due amount. According to the credit report, the account was closed and purchased by another lender as of XX/XX/year>, and no debt remains. This account has been settled in full, yet the derogatory status remains, which is materially misleading and legally unjustified. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) failure by the furnisher to correct inaccurate or unverifiable information.

15 U.S.C. 1681b ( f ) unauthorized disclosure without permissible purpose.

The continued publication of inaccurate derogatory data is causing significant harm to my creditworthiness, and I never authorized this information to be made public. I demand immediate correction and deletion of the charge-off status from this account.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Someone open a Navy Federal Credit Card account in my name without my permission. I have contacted Navy Federal numerous times without any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against JPMorgan Chase regarding an unauthorized ACH withdrawal from my bank account to XXXX on XX/XX/year>, in the amount of {$400.00}. 

I was the victim of a XXXX swap attack an outside party fraudulently gained control of my phone number and used it to access my XXXX account without my authorization. The attacker initiated a {$400.00} ACH transfer from my Chase account into XXXX and conducted unauthorized transactions on the XXXX platform. 

I did not authorize this transaction and did not benefit in any way. I reported the fraud to Chase and initiated a dispute, but Chase denied the claim, stating that XXXX had provided evidence showing the transaction was authorized. However, that evidence is misleading it reflects a fraudulent login from a device and IP address I do not use ( e.g., XXXX device, unfamiliar location ), not legitimate access by me. 

I have submitted reports to the Federal Trade Commission ( FTC ) and have initiated a police report to document this crime. I acted promptly upon discovering the fraud. 

I am requesting that Chase reopen my dispute and conduct a full and fair investigation under Regulation E, which protects consumers from unauthorized electronic fund transfers. I believe Chase failed to consider the context and nature of this cybercrime, and relied solely on XXXX assertion without properly investigating my claim. 

I am seeking a refund of the {$400.00} and confirmation that Chase acknowledges this was an unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the 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 explanation
Consumer complaint received 2025-08-03 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: Early Warning Services, LLC
State: MI

Complaint narrative:
Over the past 10 years, I have been a repeated victim of identity theft. During this time, multiple fraudulent accounts have appeared on my credit reports without my knowledge or authorization. These include installment loans, credit cards, and collections accounts that I never applied for or used. 
In XX/XX/XXXX, I placed a fraud alert on my credit profile and notified the credit reporting agencies ( XXXX XXXX XXXX XXXX ) after discovering a large balance over {$29000.00} listed with a company I had never done business with. I also disputed accounts from XXXX XXXX XXXX XXXX XXXX, and multiple collection agencies including XXXX XXXX XXXX and XXXX XXXX Despite my repeated disputes, the accounts have not been removed. 

From XXXXXXXX XXXX XXXX XXXX I noticed a wave of hard inquiries from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, none of which I authorized or applied for credit with. These inquiries have severely impacted my credit and further indicate ongoing fraud. 

This identity theft has directly affected my ability to open bank accounts and apply for a mortgage. I have submitted written disputes and placed alerts, yet the reporting agencies and companies involved have failed to take appropriate action to remove this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
, I contacted your firm with a formal dispute under the just and Accurate Credit Transactions Act of XXXX Specifically, Title 1 sec. 151 which reserves the right of the consumer to collect proof of an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
To Whom It May Concern : I recently obtained a copy of my credit report and discovered several accounts that appear inaccurate and are negatively affecting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am formally disputing the accuracy and completeness of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As mandated by federal law, I respectfully request a first-time investigation into these accounts. According to FCRA 1681i ( a ), credit reporting agencies must conduct a reasonable investigation within 30 days of receiving a dispute notice, unless the dispute is deemed frivolous or irrelevant. If the disputed information can not be verified, it must be deleted from the consumers file. 
Additionally, I am providing proof that XXXX has already deleted the XXXX XXXX XXXX XXXX accounts ( # XXXX and # XXXX ) from their credit report. Since all three credit bureaus operate under the same federal laws and regulations, I am requesting that these XXXX XXXX accounts also be deleted from my credit file to ensure reporting accuracy and compliance. 
During the course of your investigation, please ensure that these disputed accounts are not reported to any of the XXXX major credit bureaus, pursuant to FCRA guidelines. 
Please provide written confirmation of your investigation results and notify me of any changes made to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/year>, my spouse and I were misled into authorizing a hard credit inquiry at a XXXX XXXX XXXX sales presentation at XXXX XXXX XXXX XXXX XXXX , SC. We were told we needed to authorize a credit check to access new owner benefits. At no point were we told we were applying for a credit card. 

We were handed an XXXX and only shown a signature box - no terms, no disclosures, no card information. While still in the meeting, I received an email from Barclays confirming a new credit card account had been opened. This was the first time I realized a card had been created. When I confronted the XXXX sales rep, he admitted he hadnt explained it clearly. 

We immediately left the meeting and called Barclays on XX/XX/year>. We spoke with XXXX, who confirmed the account was closed. However, the account still appears on our credit report and has damaged our credit scores. 

We are requesting that Barclays fully remove the accounts and reverse the credit inquiries, as they were obtained under false pretenses and without informed 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 2025-08-03 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: TX

Complaint narrative:
I recently obtained a copy of my credit report online and found that you are reporting the following delinquent account ( XXXX ) that are past the XXXX reporting period as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ). According to the FCRA, accounts that are delinquent should not be reported after XXXX years from the date of the original delinquency. Therefore, the following account ( XXXX ) should be deleted immediately : XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Reporting this account as anything other than Included in Bankruptcy with a {$0.00} balance is both misleading and unlawful. I am requesting that this account be immediately removed entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I recently obtained a copy of my credit report online and found that you are reporting the following delinquent account ( XXXX ) that are past the XXXX reporting period as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ). According to the FCRA, accounts that are delinquent should not be reported after XXXX years from the date of the original delinquency. Therefore, the following account ( XXXX ) should be deleted immediately : XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Reporting this account as anything other than Included in Bankruptcy with a {$0.00} balance is both misleading and unlawful. I am requesting that this account be immediately removed entirely from my credit report.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
In XX/XX/year>, I requested a validation letter from Southwest Credit about an unauthorized account thats on my credit report. I havent received anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Sent Capital One a request to Verify Debt and original signatures all they sent was statements from but not my original signatures from be when I signed and agree to this debt, but they have not now they are threatening to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against EXPERIAN for repeated violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et  seq. ), and the XXXX  Consumer Fraud and Deceptive Business Practices Act ( XXXX XXXX XXXX XXXX 

Despite my certified written disputes regarding inaccurate, inconsistent, and unverifiable information on my credit report ( including account names : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX ), EXPERIAN failed to : Conduct a reasonable investigation as required by FCRA 611 and Illinois law. 

Correct or delete the inaccurate information within the required timeframe. 

Provide a method of verification or validation of the alleged debts as required by FCRA 611 ( a ) ( 7 ) and FDCPA 1692g ( b ).

Provide a full file disclosure as requested. 

This ongoing reporting and collection of inaccurate information has harmed my credit, resulted in denials of credit, and caused emotional and financial distress. Attached are copies of my disputes, the companys inadequate responses, and supporting documentation. 

Requested Resolution : Immediate correction or removal of all inaccurate, inconsistent, or unverifiable information from my credit file. 
Written explanation of the investigation and verification process. 
Enforcement of my rights under the FCRA, FDCPA, and 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 explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I was charged XXXX by XXXX XXXX XXXX XXXX. I contacted chase to dispute the charge on the app and by phone to make sure they had all the information possible. They canceled my card, sent me a new one. They sent a temporary credit for that amount while they were investigating the charge. Side note the card was locked when the charge was made. After I contacted chase I then contacted XXXX to tell them I do not authorize them to withdrawal from my account they then told me theres nothing they can do. On XX/XX/year> I was sent a notice I did not see that they were reversing the claim and that the amount would be withdrawn on XX/XX/year>. I called chase who admitted that they should not have denied and reversed the claim. They also admitted that it was due to their mistake that info was inputted incorrectly which is why it was reversed and denied. When they tried to do the claim again they told me that because it had already been denied once that they no longer have recovery rights. They told me to contact XXXX to get an acknowledgment of refund of some sort. I contacted XXXX again to tell them I do not authorize them to charge the account and that I need a refund. They told me theres nothing they can do. So here I am out XXXX, I am on social security XXXX and can not work. I can not afford to lose that much money. So all in all I was charged XXXX, given it back, then a month later was charged XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: KY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report and accounts, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections,611 ( 15U.S.C.1681i ) ,609 ( 15U.S.C1681g ), and604 ( 15U.S.C. 1681b ). 

Accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; TransUnion XXXX XXXX XXXX XXXXXXXX XXXX ; XX/XX/XXXX ; TransUnion XXXX 

Inquiry : XXXX, XX/XX/XXXX ; TransUnion

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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Top Line Collectors LLC
State: NC

Complaint narrative:
Received call from collector phone number disguised as medical office. Let them know cease all phone call sent out certified letter requesting purchase agreement chain of custody signed contract with them and any securitization of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have been denied opening a bank account because they say I owe td bank money. I don't believe that I do and if I do from when and what account because I never had one at that bank? Can you please help me to verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I sent out a wire of XXXX. When I make a wire before XXXX it normally gets there same day. We have had times it takes XXXX 2 days. Well a few days passed by, and I called to check up on the status of why they havent received the funds. They told me it can take a few days. The few days past I call them and ask them again about the status of the wire. They told me we had to have some additional information from the recipients bank. I tell my dad which is his other bank to contact them and see what they need. They showed him an email saying the wire process, was there but no funds were ever sent. I called Bank of America, they said all the can do is reach out to the third party XXXX XXXX XXXX XXXX XXXX that they only talk via email because they have to keep track of everything. Everytime a message was sent we had to wait XXXX hours. I would call back almost everyday trying to see the status. One of the calls had even said the wire was rejected on XX/XX/XXXX, the day after I had sent out the wire. I then talked to someone else they had transferred me too. They had said sorry we are going to do a complain on that person because we dont know why he said that. Then they tell me we cant do anything until the third party responds. All the steps were done. I waited. I even had the other party confirm everything they needed. We are just waiting for the funds. I called on day and they told me the funds were already returned. That all they had to do was release them. They told me he was going to escalate is so I can get quicker. I get transferred, then they say that they are sorry we dont know why he told you that we are going to file a complain against him. XXXX people have told me this. All these are different days. They keep telling me the third party bank hasnt responded to Bank of America. They are the ones who are partnered with them. My money should securely be able to be tracked correctly. 
I was suppose to get a call back from a XXXX with in XXXX hours. 

go check on my wires I send out. It says XX/XX/XXXX it says failed- recipients account number is incorrect. 
I do all my wires on my mobile app. When I select the contact I am sending too, I can not edit any information on that contact. It was impossible for me to put the incorrect account number. I have sent out over XXXX times to that account. Everything is in order with the other person account. They receive wires as well. 

I feel lied to, this is really effecting me in many ways.

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