vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-12-28 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, a man called my cell phone and he said he is with Citibank. He asked me if I made a charge on my bank card which I did not recognize and I said No. He then asked me about several other charges which were all correct. He then told me that he needed to freeze all of my accounts because they were compromised and that he will arrange a new card to arrive days later, He then told me that he is sending an alert to my Citibank app on my XXXX and that I need to tap on it when I receive it. So, I did. He explained some other details and hang up. I noticed that my savings balance became very low and rushed to the bank branch so that I can talk to someone in person there. One bank officer called Citibank 's fraud department and the man on the phone said the wire transfer was blocked and that my money was safe. So, I went back home but shortly after I received emails telling me that two wire transfers of $ XXXX and XXXX were indeed completed. At that point ( afternoon of XXXX XXXX XXXX everything was closed and had to wait till XX/XX/XXXX. In the morning of the day after XXXX, I called Citibank and they told me that they still had my money but suggested to go to the branch and close all old accounts and change to new ones. At the same branch, I was told to call their fraud department again and they confirmed that most of my money in total of XXXX has gone to the recipient. They said they were going to investigate what happened which will take up to 3 months and I had to wait. 
The phone number shown on my XXXX from the scammer was _________ XXXX, HI. He said his name was ______________ ( which I doubt ). According to email from Citibank, the recipient of the wire transfer is _____________. 
I am puzzled by the fact that I reported the fraudulent wire transfer incident around noon of XX/XX/XXXX in the bank XXXX XXXX and spoke with its fraud division together with a banker named ______________. The person on the other side of phone assured us that the wire transactions were blocked and my money was safe. I also received emails informing a separate wire transfer of $ XXXX was attempted but stopped. Even after that, Citibank sent out the money ( XXXX and XXXX ) later to the very same person ( XXXX XXXX ) in the afternoon without verifying or notifying me. Three times I called after seeing my money taking out from my accounts, Citibank said that the transactions were stopped, and yet my money was in fact moved away to the same account. Could this be an inside job

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 2025-12-28 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-28 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CO

Complaint narrative:
SHELLPOINT for whom I filed a complaint XXXX is continuing to ruin my credit through Experian by claiming that I am 90 days late on payments. Also there are several late payment reports by XXXX. Today he filed a bad report under a pseudonym Nr/sms/cal ( XXXX ) XXXX I would like to remind you that this is not only a bankruptcy long past and not mine but I overpaid by XXXX XXXX dollars. He is attempting to ruin my credit even after you had him remove it from credit reporting. he is also sending me quit claim notices, so far two of them. He also so far has not sent me my title.

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 2025-12-28 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have filed XXXX reports saying there was an XXXX transaction and cash app won't do anything about it this is a lot of money to go missing.i don't know what to do cash app is not telling me why they can't refund it it just says denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

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 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Was victim of credit card fraud for XXXX XXXX purchases made on XX/XX/XXXX and XXXX totaling {$2200.00}. Immediately reported fraud to Chase, which determined on XX/XX/XXXX that I was not responsible for {$190.00} but was responsible for {$2000.00} because I received a benefit from this transaction. This is false and abuse perpetrated by Chase. I did not make these purchases nor did I ever receive a benefit from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 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:
Dear Sir or Madam, This letter summarizes my formal disputes submitted to Experian, TransUnion, and Equifax regarding inaccurate, incomplete, and unverifiable information reported on my credit files. 

I am disputing multiple items that are materially harming my credit profile, including seven accounts reported with late payments, an overstated credit utilization rate of 88 %, and a total reported debt of {$78000.00} that appears excessive and potentially inaccurate. I also dispute multiple name variations, address records, employment information, and personal data that strongly suggest file mixing or possible identity-related errors.

Across all three credit reports, I have demanded full compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including a reasonable investigation, independent verification using original creditor documentation, and deletion of any information that can not be fully verified within the statutory time frame. I have expressly requested correction of inaccurate data, removal of unverifiable accounts, and written disclosure of investigation procedures and results. 

These disputes are not debt validation requests, nor do they acknowledge liability for any alleged obligations. They are formal exercises of my rights under federal law to ensure maximum possible accuracy in my consumer credit files. 

I expect timely, lawful resolution of all disputed items, including deletion of any information that can not be verified with complete documentation. 

Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been waiting for my tax returns from IRS that I have been looking forward to getting for my 2016 tax refund which I have been inquiring about for the past 9 years. Finally, I received a package from IRS that indicated they had mailed my refund check to my old address and that check has been cashed in the amount of {$3300.00} at BANK OF AMERICA which should not have been cashed because it was a third-party check. This check was made to my name and looks like my old roommate has cashed this check at his BANK OF AMERICA account by forging my signature on back of that check. After I looked on the internet to inquire about cashing a third-party check and I found out that some banks they cash a third-party check, but both parties need to be present with their I am requesting my money back for Bank of America to let one of their client to take my hard-working money.

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 2025-12-28 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-12-28 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: GA

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 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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OZK
State: GA

Complaint narrative:
I reviewed my XXXX report and seen accounts opened fraudulently without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Financial Services is refusing to correct unauthorized charges after my credit card was stolen. 

My Discover card ending in XXXX was stolen and used by a scammer to make fraudulent purchases on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not authorize these transactions in any way. 

Despite reporting the theft promptly, submitting documentation multiple times, and fully cooperating with Discovers fraud investigation, Discover has refused to remove the charges. I was explicitly told that because the scammer had my physical card, Discover considers the transactions authorized. 

This position is incorrect and violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z. Possession of a stolen card does not constitute authorization. 

Discover has also failed to remove related interest and late fees resulting from the fraudulent charges. 

I am requesting CFPB intervention to require Discover Financial Services to comply with federal law by removing all unauthorized charges from XX/XX/year>, reversing all related fees and interest, and correcting my account accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 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: ND

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain Financial is pursuing repossession on a coerced auto loan originating from XXXX XXXX XXXX, a dealer that is now permanently closed. Financing was forced as a condition of vehicle release. OneMain improperly resolved my dispute by demanding a trade-in instead of rescission. Under the FTC Holder Rule, OneMain is responsible for dealer misconduct. I request loan rescission, refund of payments, and immediate halt to repossession and collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Active balance updates in XX/XX/XXXXXXXX  while maintaining stale status dates from XXXX Lvnv XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXXXXXX  . All accounts are marked as disputed by consumer, yet inaccurate reporting continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint regarding overdraft fees totaling $ XXXX on my Fifth Third business checking account ( XXXX ). 

Account Status : My business checking account shows " No eligible accounts '' when I attempt to access overdraft protection settings on Fifth Third 's website and mobile app. The system displays " no changes to save '' when attempting to enroll, indicating the account can not be enrolled in overdraft protection.

Transaction Timeline : - XX/XX/year> : XXXX XXXX attempted to collect {$55.00} payment - XX/XX/year> : Payment was returned ( not paid by bank ). Bank credited {$55.00} back to account - XX/XX/year> : Bank charged {$37.00} " Overdraft/Return Item Fee '' - account balance : - {$37.00} - XX/XX/year> : Bank charged {$64.00} " Daily Overdraft Fee '' - account balance : - {$100.00} - XX/XX/year> : Bank charged {$16.00} " Daily Overdraft Fee '' - account balance : - {$110.00} - XX/XX/year> ( current ) : Balance continues to accrue $ XXXXday in daily overdraft fees Key Issue : Per CFPB definition, an overdraft occurs when " a financial institution pays the transaction. '' In this case, the bank returned the {$55.00} payment rather than paying it. The account balance is negative solely due to fees charged by the bank, not from covered transactions. 

Previous Occurrence : Previously similar fees totaling ~ {$120.00} were charged to this account. A Fifth Third banker reversed these fees when I visited the branch for an unrelated matter. The banker initiated the reversal without my requesting it when looking into my account. 

Requested Resolution : Refund of all overdraft fees ( $ XXXX ) and clarification of why overdraft fees are being charged on an account the bank 's system indicates is not eligible for overdraft protection, and on transactions the bank did not cover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
incorrect XXXX information, unrecognized account, Account number XXXX Legal Basis for Credit Report Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers have the right to dispute any information in their credit report that is inaccurate, incomplete, or can not be verified. 

Pursuant to 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days and must delete or correct any information that is found to be inaccurate or can not be verified.

Additionally, under 15 U.S.C. 1681s-2, furnishers of information ( including collection agencies and creditors ) are prohibited from reporting information they know or should know is inaccurate. Once a dispute is received, furnishers must conduct a reasonable investigation, report accurate results, and correct or delete any inaccurate or incomplete information. They are also required to mark the account as disputed while the investigation is pending. 

Failure to comply with these requirements constitutes a violation of federal law and may result in enforcement actions and consumer remedies.

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