vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Reinstating full debit card access and removing any unjustified account restrictions, unless there is clear, documented risk they can explain in writing.Refunding any fees, penalties, or costs you incurred because they blocked your card without notice and your autopay bills failed ( late fees, returnedpayment fees, etc. ) .Providing a written explanation of why your card was blocked, what too many fraud alerts means in your case, and how they will ensure you receive timely fraud/restriction notifications in the future ( phone, text, email, or app alerts ) .Conducting and documenting a full review of the disputed unauthorized charge and confirming that you are not held responsible for any fraudulent transactions.Reviewing your credit denials and account flags to ensure they comply with fair lending and consumer protection laws, and correcting any improper restrictions or notations related to your old bankruptcy.If you raised concerns about discrimination, completing a formal investigation of potential discriminatory treatment and providing a written response on their findings and any corrective actions.

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 2025-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received credit alerts that someone using my name was inquiring about using financial services from XXXX, Capital One, and XXXX XXXX XXXX. 

The fraudulent request used my name, but used an address and phone number I am not familiar with. The new address and phone number showed up on my credit report, and I was able to dispute them with the credit reporting agencies successfully The fraudulent address used today was : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The fraudulent phone number used was : ( XXXX ) XXXX On XX/XX/XXXX, this fraudulent address also showed up on my credit report, and I was able to dispute and remove it : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX have frozen my credit reports, but this is the second time in a month that someone in XXXX, Texas, has used my name to set up financial services. Is there a way to see if someone at these addresses and phone accounts is attempting identity theft? Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I received credit alerts that someone using my name was inquiring about using financial services from XXXX, XXXX XXXX, and Citibank XXXX XXXX. 

The fraudulent request used my name, but used an address and phone number I am not familiar with. The new address and phone number showed up on my credit report, and I was able to dispute them with the credit reporting agencies successfully The fraudulent address used today was : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The fraudulent phone number used was : ( XXXX ) XXXX On XX/XX/XXXX, this fraudulent address also showed up on my credit report, and I was able to dispute and remove it : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX have frozen my credit reports, but this is the second time in a month that someone in XXXX, Texas, has used my name to set up financial services. Is there a way to see if someone at these addresses and phone accounts is attempting identity theft? Thanks

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 2025-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Complaint Portfolio Recovery Associates / Metro 2 Reporting Issues This complaint concerns materially inaccurate and unverifiable reporting by XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ), a debt buyer, across consumer reporting agencies. 

The account shows a balance of {$1000.00} with conflicting reporting of past due amounts, last activity dates, account status, and delinquency timelines across TransUnion, Experian, and Equifax. The Original Date of First Delinquency is inconsistent and can not be verified, demonstrating a failure to comply with Metro 2 field-level reporting standards. Automated verification systems, including e-OSCAR, are unable to reconcile these discrepancies, indicating that neither the furnisher nor the CRAs conducted a reasonable reinvestigation, in violation of 15 U.S.C. 623 ( a ) ( 5 ) and 15 U.S.C. 1681i. 

Continued reporting of inconsistent, unverifiable data constitutes a failure to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and an unfair or deceptive practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). 

Requested Resolution : Immediate deletion of this account from all consumer credit reports until accurate and verifiable data can be provided, with confirmation of future compliance with FCRA, Metro 2 standards, and CFPA ( UDAAP ) requirements to prevent repeated misreporting and consumer harm. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase business debit card was stolen on XX/XX/year> and used without my authorization on XX/XX/year>. 
At the time of the unauthorized transaction, my account balance was {$79.00}. An unauthorized purchase totaling {$210.00} was made, which overdrew my account. 
I am only requesting reimbursement of the {$79.00} that was in my account at the time of the fraudulent transaction. 
I reported the fraud promptly and filed a police report. At the same time, my XXXX credit card was also stolen and used fraudulently. XXXX investigated and determined the transactions were unauthorized and issued a refund. 
Chase denied my fraud claim solely on the basis that the transaction occurred near my residence and that chip technology was used. This does not prove authorization and does not override consumer protections under Regulation E.

Chase failed to adequately investigate this unauthorized transaction and wrongfully denied reimbursement despite evidence of theft and my tim
ely report.

I am requesting reimbursement of {$79.00} and a formal review of Chases fraud investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: FL

Complaint narrative:
Company : 1st credit services Account : XXXX {$260.00} Opened XX/XX/year> Reason : Identity Theft / Fraudulent Collection Account 1. What Happened I am filing this complaint because 1st credit services is reporting a fraudulent collection account on my Experian credit file for a XXXX XXXX XXXX account ending in XXXX. I am a documented victim of identity theft and I did not open, authorize, or have any knowledge of this account. 

I have already submitted an FTC Identity Theft Report and supporting documents, confirming that this XXXX account is the result of identity theft. Despite this, 1st credit services continues to furnish inaccurate information to Transunion, harming my credit profile.

2. What I Have Done So Far I filed an FTC Identity Theft Report.

I dis

puted the account with Transunion Transunion marked the account as disputed by consumer, but did not remove it. 1st credit se
rvices has not provided any documentation with my signature, contract, application, or proof of liability. 

XXXX. Law Violations/ Issues XXXX XXXX XXXX is in violation of : FCRA 605B ( Identity Theft Blocking ) furnisher must stop reporting fraudulent information.

FCRA 623 ( a ) ( 1 ) ( A ) can not furnish information known to be inaccurate.

FCRA 602 / 1681e ( b ) failure to maintain reasonable procedures for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank is on my credit score. This is fraudulent. I try to contact them and theres no collections under my name so they really couldnt help me out but yet then again when I check my credit thats it in there on my credit score TD Bank. Im a new customer with them now if I had an account that it was in collection with them, I would not have an account as of today. This doesnt belong to me. I cant even make a dispute cause I cant find anything that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

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 2025-12-26 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: AL

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. Mv credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. ACCOUNTS : 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 2025-12-26 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: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: SC

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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a wire transfer 17 days ago and call the bank more than 10 times and go directly to the Bank of America four times and they didnt help me with that and didnt gave me any information. And my money is still holding and the wire receiver is still waiting for the money and the wire transfer is still showing on the app like processing and nobody gave me any explanation and I cant still waiting more time for resolve this situation

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 2025-12-26 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: EQUIFAX, INC.
State: AR

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AR

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) 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
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I reported to Wells Fargo approximately {$19000.00} in unauthorized debit card transactions processed through XXXX. I did not authorize, did not initiate, and have no knowledge of these transactions. I have never used XXXX and did not give permission to any person or service to access my account. 

During the initial fraud report, I clearly stated that the transactions were unauthorized. However, XXXX XXXX case documentation incorrectly reflects my statement as dont remember these transactions. This is inaccurate and materially misrepresents my report. I did not say I did not remember ; I stated the transactions were not authorized. 

Wells Fargo later denied my fraud claim. I believe the denial is based on an inadequate and inaccurate investigation that relied on incorrect case notes rather than my actual statement. I requested clarification of the denial and correction of the case notes, but the claim remains denied. 

If a XXXX account was created using my identity, that would have been done without my knowledge or consent and would constitute identity theft, which is still unauthorized activity. The existence of an account opened in my name does not mean I authorized or controlled the transactions. 

I am requesting that Wells Fargo correct the claim documentation, reopen and properly investigate the fraud, provide a written explanation of the evidence used to deny the claim, and reimburse the unauthorized {$19000.00} debit card transactions, including reversal of any related fees or negative impacts.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
To Whom It May Concern, I am contacting you regarding a collection account your company is currently reporting. 

This letter is not an admission of liability, nor is it an acknowledgment that the alleged debt is valid or mine. 

In the interest of resolving this matter, I am requesting a pay-for-delete agreement or a negotiated settlement that includes deletion of this account from all consumer credit reporting agencies. 

I am prepared to remit payment promptly upon receipt of written confirmation that the account will be deleted upon settlement. No payment will be made without such confirmation. 

If your company is unwilling to delete the account, please provide written confirmation of that position.

Company response to consumer: Closed with explanation