vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally request that Profilo Recovery immediately cease and desist all communication with me, including but not limited to phone calls, emails, text messages, letters, or any other form of contact.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to stop communication, the collector must comply, except as allowed by law.

If you believe that I owe a debt, you may communicate only to : 1. Confirm that you will cease further contact, or 2. Notify me of any specific legal action you intend to take.

Any continued contact from your company after receipt of this letterother than as permitted by lawwill be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is a request to stop all communications as allowed under federal law. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
TransUnion LLC is reporting multiple materially inaccurate, contradictory, and unverifiable items on my consumer credit report, causing ongoing harm to my creditworthiness. 

These inaccuracies include inconsistent personal identifying information, conflicting and impossible reporting dates, charge-off accounts with balances exceeding credit limits, inconsistent date last active reporting compared to other credit reporting agencies, disputed federal student loan delinquencies, and a collection account containing contradictory reporting data. 

I previously disputed these same items directly with TransUnion. In response, TransUnion stated that the accounts were verified, yet the inaccuracies were not corrected or deleted and continue to appear on my credit report. 

I have now submitted a detailed written dispute with identity documentation requesting a reasonable, manual reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), including original creditor documentation, complete payment histories, chain-of-custody records, and a written explanation of TransUnions investigation methodology.

TransUnion has not provided the requested documentation and has not demonstrated that a reasonable, manual reinvestigation was conducted. Automated or conclusory verification does not satisfy TransUnions obligations under the FCRA.

Despite being placed on notice multiple times, TransUnion continues to report inaccurate and unverifiable information. I am requesting CFPB intervention to require TransUnion to comply with the FCRA by correcting or deleting all inaccurate information and providing documentation supporting any information it claims is verified.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A bankruptcy is being reported on my XXXX/TransUnion credit report but the US Bankruptcy Court confirmed they do NOT report this information. XXXX and XXXX can not verify this bankruptcy and have already requested the bureau to delete it. The bureau refuses to remove or verify the source. I am requesting deletion because the bankruptcy is not properly verified according to FCRA sections 609 and 611. 


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 non-monetary relief
Consumer complaint received 2025-12-19 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-19 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: PA

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these account are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX Date Last XXXX late 30 days XX/XX/year>, late 60 days XXXX late 90 days XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: PA

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these account are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX Date Last XXXX late 30 days XX/XX/year>, late 60 days XXXX late 90 days XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-19 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: IN

Complaint narrative:
This complaint is not a mistake. My credit report contains two accounts that are not being reported with the maximum possible accuracy required. These inaccuracies have been weighing heavily on me and continue to cause real and ongoing negative effects during an already difficult time. The reporting of inaccurate information on these accounts is unacceptable and must be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/year>, I used my Citi business debit card to purchase an airline ticket through XXXX for a flight departing to XXXX XXXX. The ticket was sold to me approximately 45 minutes before the scheduled departure time.

After the purchase, I learned that the airline requires check-in at least 90 minutes prior to departure, meaning the ticket was impossible to use at the time it was sold. There was no realistic way for me to check in or board the flight. 

I contacted XXXX and requested a refund or explanation, explaining that the ticket should not have been sold after the airlines check-in cutoff. XXXX refused to refund the charge and responded only by citing cancellation policy terms, without addressing the impossibility of using the ticket. 

I then filed a dispute with Citi, providing evidence of the booking time, the airlines check-in requirements, and XXXX  correspondence. Despite this, Citi denied my dispute three times, repeatedly classifying it as a cancellation policy issue rather than a service-not-provided / invalid sale dispute.

Citi has not meaningfully reviewed the evidence or corrected the dispute category. I am requesting that Citi reopen and properly review this dispute under the correct classification and explain why a ticket sold after check-in cutoff was treated as a valid, cancellable service.

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 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had opened a new checking account at JP Chase Morgan. I deposited my pay checks to that account. When my check had an error my boss, the owner of the company, had wrote 2 checks for me on the company letter head. The smaller amount check was deposited into my account but a hold was placed on the {$910.00} checks. My boss personally contacted the bank to assure it was a valid check. The hold was supposed to take one week. Thats fine. One week passes and I get a text saying the funds were released. I go to the bank and they said no funds and my account would automatically close and the funds be mailed to me. Nothing. No explanation. That was in the XXXX  of XXXX  and I have never received my money or even an explanation. I was not able to open another account either because Chase flagged my account for fraud. For a VALID check. From the same employer I had my direct deposits from. It was 2 years before I could open another bank account at a new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I formally locked a fixed interest rate of 5.375 % with Navy Federal Credit Union for a 30 year Conventional refinance loan on XX/XX/year>. Per my loan estimate documents my rate was locked until XX/XX/year>. 

I submitted all required borrower documentation prior to the XX/XX/year> rate-lock deadline. I have followed up countless times with Navy Federal customer service via phone, email, and in branch visits throughout the months of XXXX and XXXX regarding status of my loan and was told it was under review and processing. Navy Federal employees have verbally acknowledged via phone calls that the delay causing the rate lock to expire was due to Navy Federals internal processing delays, not borrower action.

Despite escalating this matter to supervisors and managers, Navy Federal loan processor and supervisor have informed me that because the XX/XX/year> deadline has now passed, my interest rate would increase to 6.25 % due to market rate changes and that I would have to pay more origination points, solely due to their own delays.

I was not provided with a valid changed circumstance as required under TILA/RESPA, and lender processing delays do not qualify as a permissible reason to reprice a locked loan.

Since escalating this matter I have been emailed new loan estimate documents showing the new rate XX/XX/year>, my file has been moved to cleared to close XX/XX/year>, closing attorneys have called with pre set closing date XX/XX/year>. Which I had to inform them that those are not the terms that were agreed upon and signed in any of my original loan documentations and am being pressured into accepting the new term to move forward with closing when it took Navy Fed three months to " process ''.

This appears to be an unfair and deceptive practice ( UDAAP ) and a failure to honor a good-faith Loan Estimate and formal rate lock.

I am requesting that Navy Federal honor the locked 5.375 % rate or provide a lender-paid rate buydown covering the difference, along with any costs incurred due to their delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/year> I had a fraudulent transaction from my chime account. I contacted chime to dispute and they denied a refund. I escalated this decision and they denied my refund again. I live in XXXX, the sign in was from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-19 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: CL Holdings LLC
State: KS

Complaint narrative:
Company being complained about : Jefferson Capital Systems LLC Product or Service : Debt Collection/Credit Reporting I am submitting this complaint regarding the manner in which this collection is reporting an alleged debt on my consumer credit report. This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation ; however, the collection agency continues to report the account without providing documentation that demonstrates the debt is accurate, that they have the legal authority to collect, or that the information being furnished is complete and correct. 
The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable. 

I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
I canceled a subscription in writing with XXXX on XX/XX/year> as instructed by the merchant. Despite this, a charge of {$75.00} from merchant was processed on XX/XX/year>, before the stated billing cycle and after cancellation. 

These funds were taken from my Way2Go unemployment benefits debit card. I disputed the charge with Way2Go, but they declined to return the funds. 

During my call with Way2Go customer service, I requested escalation to a supervisor and asked that no action be taken on my account until escalation occurred. Despite this request, the representative canceled my debit card without my consent and then transferred me to a supervisor. 

I was subsequently charged a fee to receive a replacement card, even though the cancellation was not requested by me. This restricted my access to unemployment benefit funds and caused additional financial harm. 

Supporting documentation is attached : Written request and charge from unemployment benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
I am submitting this formal complaint to dispute inaccurate late payment information being reported on my consumer credit reports. The accounts listed below are being reported with late payments ; however, this information is factually incorrect. 

I have never made any late payments on the accounts identified below. Despite this, the furnishers are reporting derogatory payment history, which does not accurately reflect my account performance and violates the Fair Credit Reporting Act ( FCRA ), including but not limited to the requirement to report complete and accurate information. 

The accounts in question are : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Issue : Late Payment reported inaccurately XXXX XXXX XXXX  ( XXXX ) Account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$870.00} Issue : Late Payment reported inaccurately XXXX  XXXX Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Issue : Late Payment reported inaccurately XXXX  XXXX Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} Issue : Late Payment reported inaccurately I am requesting that the CFPB require these furnishers to conduct a proper and complete investigation and either : Correct the payment history to reflect no late payments, or Remove any inaccurate late payment reporting that can not be fully verified as accurate. 

If the furnishers can not provide documented proof that I was ever late, these derogatory entries must be corrected or deleted in accordance with the FCRA. 

I am requesting CFPB assistance to ensure compliance and timely resolution of this matter. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: IN

Complaint narrative:
This complaint is not a mistake. My credit report contains two accounts that are not being reported with the maximum possible accuracy required. These inaccuracies have been weighing heavily on me and continue to cause real and ongoing negative effects during an already difficult time. The reporting of inaccurate information on these accounts is unacceptable and must be addressed.

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 2025-12-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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. 


XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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