vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EA Holdings Corp.
State: IL

Complaint narrative:
I am filing this complaint to formally dispute the accuracy, completeness, and legal compliance of the AUTOWAREHOUSE account currently being reported on my consumer credit reports.

According to my credit file, AUTOWAREHOUSE is reporting the following account details : Opened : XX/XX/XXXX Highest Balance : {$13000.00} Reported Balance : {$11000.00} Monthly Payment : {$540.00} Term : 37 months Last Reported : XX/XX/XXXX This account contains multiple material inaccuracies and compliance violations that require immediate investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Specific Disputes and Violations 1. Inaccurate Account Status & Aging The account reflects a XXXX term that should have concluded in XXXX, yet the account continues to appear as an active derogatory tradeline without accurate closure, payoff, or charge-off details. 
This constitutes improper aging and inaccurate status reporting, in violation of FCRA 1681s-2 ( a ).

2. Incomplete and Misleading Payment History The reported payment history reflects inconsistent and unclear late-payment markers without supporting documentation.

AUTOWAREHOUSE has failed to provide evidence that each reported late payment was accurate, timely, and properly noticed.

3. Failure to Provide Proof of Legal Obligation No signed contract, payment ledger, or accounting has been provided demonstrating my legal obligation for the amount reported.

Without validation, continued reporting is unverified and unlawful.

4. Failure to Conduct a Reasonable Investigation Continued reporting without correcting these errors indicates a failure to conduct a reasonable investigation as required by FCRA 1681s-2 ( b ).

Demand for Resolution I am demanding that AUTOWAREHOUSE take one of the following actions immediately : Provide full documentary verification, including the original signed contract, complete payment history, and proof of reported balances OR Delete this account entirely from all consumer credit reporting agencies.

If AUTOWAREHOUSE can not fully verify this account with competent evidence, it must be removed. Continued inaccurate reporting after this notice will constitute willful non-compliance, subjecting AUTOWAREHOUSE to statutory damages, regulatory enforcement, and further legal action.

This complaint is being submitted to the Consumer Financial Protection Bureau and may be escalated to the State Attorney General and Federal Trade Commission if not resolved promptly.

I expect written confirmation of correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

DEPT OF EDUCATIONXXXX # XXXX XX/XX/XXXX -- {$4700.00} DEPT OF EDUCATION/XXXX # XXXX XX/XX/XXXX -- {$2400.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00}

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am formally notifying Navy Federal Credit Union that I am reporting this matter to the Consumer Financial Protection Bureau ( CFPB ). There is no active investigation, court order, or legal hold on my account. I am requesting immediate release of my funds and closure of my account without further delay.

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 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
My Cash App account was suspended without a clear explanation. I am unable to access my account or use its services. 

Every attempt to resolve this through in-app support results in automated responses and an endless loop, with no option to reach a human reviewer. 

I have not violated Cash App 's XXXX XXXX XXXX to my knowledge. I am requesting a manual, human review of my account and either restoration of access or a clear written explanation and release of any remaining funds. 

Cash App 's lack of a functional appeal process has prevented me from resolving this issue directly. 

I have tried numerous times to get it unsuspended and verified as they ask, and they tell me the same thing over and over again, no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
XX/XX/XXXX Any type of XXXX XXXX under FCRA and CFPB then credit bureaus will be sued. Any type of auto-verification or fabrication of validation of unauthorized accounts will result in a lawsuit its very simple. We are requesting 1099c from companies that was charged off which were unauthorized if it CAN NOT be provided within XXXX  DAYS these ITEMS must be REMOVED! 

Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified XXXX days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within XXXX  days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$110.00} XXXX  Date Opened XX/XX/XXXX Balance {$93.00} Cap XXXX Auto Date Opened XX/XX/XXXX Balance {$27000.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$280.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$650.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1300.00} XXXX XXXX Inquiries XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Auto ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX/XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-29 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: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Goldman Sachs Bank continues to report late payments on my Apple Card account without providing legally required proof that a billing statement was delivered at least 21 days before the due date, as required by 15 U.S.C. 1666b.

They also failed to provide evidence of proper written notice after reporting negative information, as required under 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Despite repeated disputes, the bank relies solely on the existence of a contract, which does not override federal consumer protection laws. I am requesting removal of the inaccurate late payment reporting and confirmation in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX, and I am a Chase Bank customer. 

During the XXXX long weekend, I discovered that an entity identified as XXXX XXXX XXXX, which I do not recognize, had been withdrawing funds from my Chase account via ACH debit without my authorization. These withdrawals occurred multiple times and in random amounts. and the total amount that was stolen is {$3000.00} Upon discovering this, I immediately filed a fraud claim with Chase on XX/XX/XXXX and explicitly requested that all transactions associated with XXXX XXXX XXXX be stopped effective XX/XX/XXXX. Despite this request and the fraud report already being on file, additional unauthorized withdrawals continued to occur afterward. 

This situation has left me extremely concerned and distressed. I took prompt action as soon as I became aware of the issue, yet my account continued to be debited even after Chase was notified and account protection was requested. I am now facing significant financial harm as a result. 

I am requesting the following actions immediately : Full reimbursement of all unauthorized ACH withdrawals, including those that occurred after my fraud report and stop request. 

Immediate and effective blocking of XXXX XXXX XXXX and any related ACH originators from accessing my account. 

Confirmation that my account is fully secured and that no further unauthorized debits can occur. 

Given that these transactions continued after my fraud claim and stop request, I believe this matter requires urgent escalation. I appreciate your prompt attention and written confirmation regarding the steps being taken to resolve this issue. 

Thank you for your immediate assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ACH Debit XXXX WEB ID : XXXX {$130.00} XXXX XXXX XXXX XXXX ACH Debit XXXX WEB ID : XXXX {$130.00} XXXX XXXX XXXX XXXX ACH Debit XXXX WEB ID : XXXX {$130.00} XXXX XXXX XXXX XXXX ACH Debit XXXX WEB ID : XXXX {$180.00} XXXX XXXX XXXX XXXX ACH Debit XXXX WEB ID : XXXX {$140.00} XXXX XXXX XXXX XXXX ACH Debit XXXX WEB ID : XXXX {$580.00} XXXX XXXX XXXX XXXX ACH Debit XXXX WEB ID : XXXX {$570.00} XXXX XXXX XXXX XXXX ACH Debit XXXX WEB ID : XXXX {$570.00} XXXX XXXX XXXX XXXX ACH Debit XXXX WEB ID : XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/year>, my card had a hold on it so I had to use another card. I had to manually approve several purchases then on the XXXX until now they have made me call every day to verify daily purchases and repeatedly put holds on the account. I have been promised and assured daily until the XXXX that my card was fine and i wouldnt need to call in again and this was a lie every time. They claim its due to suspicious activity but daily holds are excessive especially after assurances it wont happen again I suspect theyre basing it off of my name and its specific targeting. This is excessive, abusive, and unfair in practice and has wasted much of my time. Even the manager got involved this is negatively affecting my mental and emotional health.

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 2025-12-29 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: CO

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! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
A collection account is being reported on my credit report with inconsistent and inaccurate information across the credit reporting agencies. The account is attributed to National Credit Adjust/ XXXX, but the original creditor, collection agency name, and account status are reported differently by XXXX, XXXX, and XXXX. 

XXXX  reports the account as account seriously past due/ assigned to collections, while XXXX  shows missing status information and XXXX  reports a different original creditor and agency name. This indicates the information is not being reported accurately or consistently as required by the Fair Credit Reporting Act. 

I previously disputed this account, and it was marked as verified ; however, no documentation has been provided to explain or correct these discrepancies. I am requesting a meaningful investigation and either correction of the inaccurate reporting or deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-12-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Went to the ATM to deposit cash. There were 3 bills, one 50 and two 20s. These were new bills. The Wells Fargo ATM located in XXXX  XXXX California  on XXXX XXXX rejected all of the new bills and when I opened to retrieve them, the money was balled up and one of the 20s was ripped. I called the customer service to let them know what happened. I honestly thought they were gon na tell me to bring the bill inside the branch when it opens but I was told We dont take mutilated funds. I would have to mail it in and hope I can get it back. Your ATM mutilated it. I have already written out my rent check and put my last in the bank to cover it and its now not. I do not have overdraft protection so my check will bounce. I will get a bounced check and a late fee from my property management company all because of Wells Fargo ATM.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I am submitting this complaint regarding the use of an inaccurate or unverifiable credit score by Navy Federal Credit Union.

Navy Federal Credit Union provided me with a notice stating that they pulled a XXXX  credit score of XXXX, allegedly obtained on XX/XX/year>. 

Navy federal App. Id. XXXX " To verify this information, I contacted XXXX  directly by phone on XX/XX/year>. '' A XXXX  representative confirmed that my current and accurate XXXX  credit score was inaccurate, and advised that they do not see a basis for the XXXX score being attributed to my active XXXX  consumer file. I was further advised that the score used by Navy Federal may have come from another source or an outdated or alternate dataset not reflective of my current XXXX  credit report. My last scene created score of XX/XX/year> is XXXX. 

Based on this, I am concerned that Navy Federal Credit Union relied on inaccurate, outdated, or unverifiable credit information when evaluating my creditworthiness. 


Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies and users of consumer reports are required to follow reasonable procedures to assure maximum possible accuracy of the information used. Additionally, consumers are entitled to clarity regarding the source and accuracy of credit information relied upon in any credit-related decision. 

I am requesting that this complaint be reviewed to determine : 1. The exact source of the XXXX credit score used by Navy Federal Credit Union 2. Whether that score was obtained from XXXX  or from another source 3. Whether the data used was current and accurate at the time it was accessed 4. Whether Navy Federal complied with its obligations under the Fair Credit Reporting Act 5. Correction of any inaccurate records and confirmation of proper handling of my consumer information I am requesting written clarification and resolution of this matter, including confirmation of what credit data source was used and assurance that my credit file is being handled accurately and in compliance with federal law. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Credit inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX  inquiries are supposed to be deleted. They are supposed to be soft inquiries only but listed as hard inquiries.

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 2025-12-29 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: GA

Complaint narrative:
As a federal consumer my rights where violated under 15 USC 1681 as well the. FCRA i never gave permission to report these unlawful accounts and need them removed immediately.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am writing to formally dispute the following accounts and inquiries listed on my Experian credit report. These items are inaccurate, unverifiable, and do not meet the strict requirements for reporting under the FCRA. 

Additionally, under Uniform Commercial Code ( UCC ) principles, I am the drawer and not the buyer or seller in these transactions, and the original creditors suffered no actual loss due to the sale of these debts to third-party collectors. Therefore, these accounts must be corrected to Paid as Agreed or deleted entirely.

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