vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am disputing the following items listed on my TransUnion credit report. Please investigate these accounts for accuracy and completeness. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, XXXX INQUIRIES XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  No accounts in dispute under this section. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-21 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 RECENTLY PULLED UP MY CREDIT REPORT AND I SEE INACCURATE ACCOUNTS THAT ARE NOT OK, AND ARE NOT RELATED TO ME, I HAVE MADE A LIST WITH ALL THE INACCURATE INQUIRIES THAT I WANT THEM TO BE DELETED OF MY REPORT, I AM IN THE PROCESS OF GETTING A NEW HOME WITH MY FAMILY FOR MY DAUGHTER, PLEASE REVIEW ALL THE ACCOUNTS AND DELETE THEM THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I was scammed by individuals impersonating XXXX who coerced me into paying my monthly bill upfront for 24 months using XXXX gift cards. The FTC explicitly warns that any request for payment via gift cards is fraudulent. I disputed the {$530.00} XXXX gift card purchase with Citi, but they denied my claim, stating it is their policy not to dispute gift card purchaseseven when obtained through fraud. This policy leaves consumers unprotected against scams, despite the Fair Credit Billing Act ( 15 U.S.C. 1666 ) granting rights to dispute fraudulent transactions. I received no legitimate goods or services. I request CFPB to review Citis handling of this dispute and ensure compliance with consumer protection laws.

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 2025-11-21 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: NV

Complaint narrative:
The following items are not mine they are fraudulent and has not been properly investigated. for one the address is not mine never done any business with these companies, these accounts were open due to fraud This is illegal to hold me to items i did not open, show me my wet signature and contract legally binding me to these accounts. i have attached my fraud affidavit a copy of my drivers license and proof of mailing address and many other thing i demand immediate resolution of removal and blocks from any future reporting nothing links me to these accounts remove them all info is incorrect and this 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 2025-11-21 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: NV

Complaint narrative:
The following items are not mine they are fraudulent and has not been properly investigated. for one the address is not mine never done any business with these companies, these accounts were open due to fraud This is illegal to hold me to items i did not open, show me my wet signature and contract legally binding me to these accounts. i have attached my fraud affidavit a copy of my drivers license and proof of mailing address and many other thing i demand immediate resolution of removal and blocks from any future reporting nothing links me to these accounts remove them all info is incorrect and this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IL

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 2025-11-21 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: IL

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 2025-11-21 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-21 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 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.

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 2025-11-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I called to open a cd account with Marcus by Goldman and Sacks online bank. I was denied to open a cd account. The reason I was told was that they could not identify me. I gave them my full name and address and phone number ss number. I am a us citizen and been at my address for 34 yrs. I ask them who they used to verify my ID but they refused to tell me. I have no issues with XXXX and other banks I use in proving who I am. I feel discriminated against. This is unfair and I want to know who and why I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am submitting this complaint because TransUnion is reporting several accounts and late payments that I believe are inaccurate or unverified. I have disputed these items with TransUnion, but they remain on my report without proper validation. I am requesting the CFPBs help to ensure that TransUnion conducts a full reinvestigation. 

The items I dispute on my TransUnion report are : CHARGED-OFF ACCOUNTS XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance : XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX  XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX  XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance : XXXX These accounts appear incorrect or not fully validated. 

LATE PAYMENTS XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX  Acct XXXX XXXX I dispute these late payments as inaccurate and request full documentation. 

I ask that TransUnion either provide proper validation for each disputed item or delete any information that can not be verified in accordance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

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 2025-11-21 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: SC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, I made a payment to Navy Federal Credit Union ( NFCU ) to reinstate my business auto loan, in full compliance with the reinstatement deadline explicitly given to me by NFCU representatives. During a call that day, I was assured that as long as payment was made by XX/XX/XXXX, repossession would be stopped. I made the payment immediately, yet my vehicle was repossessed afterward. NFCU later claimed this was because my payment did not post until XX/XX/XXXX a delay entirely due to their internal processing system. At no point was I told that payment had to post the same day ; only that it had to be made by XX/XX/XXXX. I have recordings of NFCU representatives confirming these terms and acknowledging that their system does not post payments in real time, as well as an official email showing my payment was made on XX/XX/XXXX. This wrongful repossession caused financial loss, vehicle damage, and significant distress. I respectfully request that the CFPB investigate, order reimbursement of all repossession related costs, correction of my loan and credit record, and compensation for resulting damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Please treat this letter as my official dispute concerning the referenced accounts. I do not recognize them and did not authorize their creation. I request deletion and a full evaluation. Evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX XXXX  credit bureaus : Equifax ( EQ ), XXXX  ( XXXX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$350.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$350.00} Inquiries : [ No inquiries listed for Equifax ] Late Payments : XXXX, Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have a notice of collection for XXXX XXXX ( balance paid in full in XXXX ) that was sold from XXXX, XXXX original creditor is XXXX  XXXXXXXX XXXX XXXX. The creditor that is now owed is Portfolio Recovery Associate, LLC ( XXXX XXXX  ). I do not have a contract with XXXX XXXX, with this I am implementing my right to cease and desist further action or contact. 

CEASE AND DESIST NOTICE Re : Notice to Cease Communication 15 U.S.C. 1692c ( c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX Balance : XXXX To Whom It May Concern : This letter serves as my formal written notice, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I demand you cease all communication with me regarding the alleged debt you claim I owe. 
Under federal law, once you receive this cease-communication notice, you are required to stop all forms of contact with me, except for the limited purposes allowed under 15 U.S.C. 1692c ( c ), such as advising me that collection efforts have been terminated or that specific legal remedies may be invoked. 
Please note : I dispute the validity of the alleged debt, and I will retain copies of all correspondence related to this matter. 
Any further contact from yououtside the narrow exceptions permitted by lawwill constitute a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 
Thank you for your compliance. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have many several months with my account closed without any explanation or prior notice from this bank, I have my money deposited before of closure is cleared long time ago and at this time is close to reach 1 year waiting for my refund check to be received as per according terms, rules and rights on our contract of bank and consumer, they have many time with my money held without any explanation, already contacted many times and inclusive go to a branch for able to fix this but no solution are obtained so kindly request attention on this unfair situation and just need cooperation from this bank to fix this and finally obtain my refund check on my address on file, I need escalation for this arbitrary treatment from this bank, I hope for real solution and cooperation please...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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