vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
TRUIST bank, without warning, put a security hold on my existing Checking & Savings account ( s ) with their institution, ( I found out by attempting to pay for gasoline ). TRUIST denied my access to 100 % of my funds in both accounts while conducting a security 'review '. One day later both accounts were closed without explanation other than, 'internal security audit '. I have still not received my funds from TRUIST. Next step is filing a police report for " Theft by Deception ''.

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 2025-08-22 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: Experian Information Solutions Inc.
State: CA

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 2025-08-22 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: CA

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Urgent : Intervention Needed for {$760.00} Dispute with XXXX and Chase Dear CFPB, I authorized a payment of {$760.00} to XXXX expecting to receive the service I had booked. However, the host denied me entry and refused to honor the reservation, which was completely unfair. 

I did not cancel the reservation because XXXX policies clearly state that canceling would void my right to a full refund. I followed all rules and even contacted XXXX directly to have them cancel the reservation, but XXXX acted in bad faith and kept my money without providing the service. 

I then filed a dispute with my bank, Chase, which initially issued a provisional refund of {$760.00}, but later reversed it without any valid reason. 

I am now left in an unacceptable situation : without the service I paid for and without my money, despite following all proper procedures. This has been extremely stressful, unfair, and financially harmful. 

I urgently request that the CFPB intervene, hold the responsible parties accountable, and help me recover the {$760.00} that was wrongfully taken. 

I have attached all evidence of my communications with XXXX and Chase. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union closed my XXXX Credit Card account due to me having financial hardship. I tried to set up a payment arrangement to make payments in my balance but was denied the ability to do so. On XX/XX/year>, I made the minimum payment due requirement. In XX/XX/XXXX Navy Federal closed my credit card account. I proceeded to make payment arrangements for the balance but was denied. On XX/XX/year>, Navy Federal restricted access to my Checking account blocking access to my payroll funds that were deposited into my account. Navy Federal will not offer me any information about my accounts.

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 2025-08-22 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: MD

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm filing this complaint regarding inaccurate personal information that is being reported on my Equifax consumer report. I was attempting to dispute the completeness and accuracy of my legal full name because it is reported inaccurately as 'XXXX  XXXX XXXX which is totally inaccurate along with XXXX other inaccurate address. Equifax 's consumer report requires you to upload some form of proof of identity when you want to dispute your name through their customer portal, however, when I attempt to upload such proof as required, and accurately so, the upload triggers Equifax 's error screen or prompt to upload supportive documentation ( an action I was implementing in that moment. ) and contact their knowledge department which is unreasonable considering that I actually followed instructions just to be set back by Equifax 's own internal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
I am filing this complaint with absolute certainty and deep frustration, as there are multiple errors on my credit report that I can no longer ignore. These inaccuracies have been harming my credit score and my quality of life, preventing me from achieving financial stability and freedom.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Received what appears to be a subpoena against me from the XXXX XXXX XXXX XXXX from creditor Bethpage Federal Credit Union and an attempt to collect a debt of over {$14000.00} that I have no knowledge of. Last XXXX of my social was on it with a very old address of my in laws. I do not recall ever having any business with Bethpage Federal Credit Union and I was also XXXX XXXX XXXX and did not have any credit cards or anything open in my name. I logged in to the XXXX XXXX XXXX to verify the case name and or even by name and nothing appears. I contacted my bank to verify this information and they confirmed receiving this letter and being asked to freeze my account until the debt is paid off. I was unable to speak to their legal team as it was already after hours and they assured my account would not be frozen as I had just received the letter and the legal team was already gone for the day. They mentioned me being employed in XXXX which I have never worked nor lived at or by. So, I believe this to be a scam and would like to file a complaint as this is very concerning and alarming.

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 2025-08-22 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NM

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 2025-08-23 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: NM

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 2025-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
On XX/XX/year>, I discovered a debt that was originally resolved by the original creditor of XXXX XXXX XXXX. The original creditor was contacted, and they admitted fault for making a mistake and not submitting claim in a timely manner. The original creditor also failed to include important insurance information and employee discount that would have prevented the original bill from going into collections. Once this was discovered, I contacted plusfour collection agency and requested a dispute and re-validation of the debt in order to pause or have the collection removed from my credit report. The agent that I spoke to was extremely rude and stated that they would not dispute or revalidate the account, even though I had a valid and legitimate concern over the legitimacy of the debt. I requested on three separate occasions a dispute through my credit report agency to have Plus Four collections validate the debt. Each time, Plus Four sent back and immediately closed the dispute without performing their legal obligation to validate the debt. Not only does the collection agency allow their agents to behave badly, but they refused to perform their duties of reevaluating the account. I find this extremely negligent and unethical. Plus four has the responsibility to perform their duty not only for the original creditor but also for the consumer.

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 2025-08-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute XXXX XXXX ( Acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the reporting of the above-referenced XXXX XXXX account on my credit file. This account is being reported as a charge-off, yet I have already requested verification and documentation establishing a contractual relationship between myself and XXXX. To date, no validation has been provided. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate, complete, and verifiable information being reported on my consumer credit report. This account, as currently reported, violates several provisions of the FCRA : Accuracy and Integrity of Reporting ( FCRA 1681e ( b ), 1681s-2 ) Credit furnishers are required to maintain and report only accurate information. Reporting a charge-off without supporting documentation is inaccurate and misleading.

Duty to Reinvestigate ( FCRA 1681i ) When a consumer disputes an account, the furnisher and credit bureau must conduct a reasonable reinvestigation and provide evidence to support continued reporting. To date, I have received no contracts, account statements, or documentation linking me to this debt.

Charge-Off Reporting Standards A charge-off is one of the most derogatory marks that can appear on a credit report. Reporting such a status without validation or supporting records is not only harmful but also a clear violation of federal law.

Because this account has not been validated as accurate or belonging to me, and because no original contract, payment records, or legally binding agreement has been provided, I hereby demand the following : Immediate deletion of this account from all credit bureau files ; or If you continue to report, provide me with complete documentation, including original signed contracts, account statements, and proof of each payment history entry and alleged delinquency. 

Failure to comply will leave me no choice but to seek remedies available under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing a civil action for damages in a court of law. 

I expect your response and resolution within the timeframe mandated by the FCRA. 

Respectfully,

Company response to consumer: Closed with explanation