vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Problem accessing account / Unfair account restriction / Poor communication Date ( s ) of Issue : XX/XX/year> Present Complaint Details : I am a long-standing Navy Federal Credit Union member with a substantial financial relationship. On XX/XX/year>, I submitted a formal written request asking Navy Federal to review and reconsider restrictions placed on my account access, specifically the decision to prohibit me from entering branches and contacting the Contact Center.

As of today, I have received no response to this request. This lack of communication is unprofessional and has caused ongoing hardship, as the restriction prevents me from managing my accounts in person or resolving issues through normal member service channels. 

The restriction appears to stem from a phone-related issue. I want to be clear that I have never threatened, harmed, or acted aggressively toward Navy Federal employees or branches, nor have I caused any in-person disruption. Despite this, Navy Federal imposed a blanket ban on branch access, which is excessive, disproportionate, and unnecessary given the circumstances. 

At minimum, I expected : A timely response to my written request A clear explanation of the policy relied upon Consideration of a less restrictive, targeted solution None of this has occurred. 

I am requesting the following resolution : 1. Immediate restoration of in-branch access 2. A written explanation of the policy used to justify a total ban, including why alternatives were not considered 3. Prompt written communication addressing my XX/XX/year> request Because Navy Federal has failed to respond to repeated, good-faith efforts to resolve this matter directly, I am submitting this complaint to the CFPB to ensure fair treatment and protection of my rights as a member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CO

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: U.S. BANCORP
State: MN

Complaint narrative:
I had XXXX fraudulent US Bank visa debit card transactions. XXXX XXXX. Someone had access to my visa debit card information. I HAVE the card in my possession. My information was stolen. I had {$5100.00} taken from my checking account ( {$3700.00} XXXX transaction, {$1300.00} XXXX XXXX transaction. ) I still have not received my money back even though I immediately phoned the fraud dept at US Bank. My debit card has never been out of my possession yet this theft happened to me. I do not have my money back. I dont have any assurance that I will get my money back. Im very upset. Ive been very cautious with my credit card use

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 2025-12-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company : JPMCB Card Services ( JPMorgan Chase Bank , N.A . ) Account Number : XXXX I am filing this complaint due to repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by JPMCB Card Services related to the above-referenced account. 

Summary of the Issue Despite multiple written disputes and a final notice, JPMCB continues to furnish materially inaccurate, incomplete, and contradictory information to the consumer reporting agencies. The same account is being reported with conflicting credit limits, inconsistent payment histories, missing data, and different dates of last activity, which materially misrepresents my creditworthiness. 

Inaccurate and Contradictory Reporting JPMCB is furnishing the following conflicting information across Equifax and Experian : XXXX XXXX XXXX Experian reports a {$6000.00} credit limit, resulting in 132 % utilization Equifax reports a {$0.00} credit limit for the same account XXXX XXXX XXXX Equifax reports up to 92 % of payments made on time Experian reports 0 % on-time payments, showing continuous CC Collection/Charge-Off notations Significant portions of the payment history are missing or incomplete Contradictory Account Remarks Charged Off Account Unpaid Balance Reported As A Loss By XXXX XXXX Collection/Charge-Off Date of Last Activity Conflict Equifax reports last activity as XX/XX/year> Experian reports last activity as XX/XX/year> An account can not simultaneously carry these conflicting characteristics. These discrepancies demonstrate that JPMCB is not maintaining maximum possible accuracy and is furnishing information that is factually unreliable and misleading. 

Prior Disputes Ignored I have sent multiple written disputes directly to JPMCB Card Services, including second-round disputes and a final notice citing specific FCRA violations XXXX These communications were properly mailed and documented. 

Despite receiving notice of these inaccuracies, JPMCB has failed to provide validation, failed to correct the errors, and continues to furnish the disputed information to the credit bureaus. 

Laws Violated JPMCBs actions violate, but are not limited to, the following provisions of the Fair Credit Reporting Act : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information they know or should know is inaccurate FCRA 623 ( b ) Failure to conduct a reasonable investigation after receiving disputes FCRA 607 ( b ) / 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) Failure to correct or delete unverifiable information Harm Caused As a result of JPMCBs inaccurate reporting, I have suffered ongoing and unnecessary credit harm, including : Artificially inflated utilization ratios Improper derogatory payment history Continued negative reporting despite repeated disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I dispute the following accounts reported under my name with Equifax. These accounts contain inaccurate information that I request be investigated and corrected. 

CHARGED OFF : XXXX XXXXXXXX, XX/XX/XXXX, {$630.00} XXXX XXXX, XX/XX/XXXX, {$740.00} XXXX XXXXXXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX, XX/XX/XXXX, {$2500.00} XXXX XXXX XXXX, XX/XX/XXXX, {$12000.00} XXXX XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX, XX/XX/XXXX, {$19000.00} XXXX XXXXXXXX, XX/XX/XXXX, {$250.00} XXXX XXXX, XX/XX/XXXX, {$730.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX LATE PAYMENTS : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The following accounts are currently being disputed : Charged Off Accounts : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXXXXXX XXXX XXXXXXXX Account Number : 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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
THE CBE GROUP INC is falsely reporting on my credit. I have never had any accounts with them. Per my research THE CBE GROUP INC 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-22 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: TX

Complaint narrative:
I kindly request the removal of the late payment and an update to my account to reflect an accurate and positive payment history.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : CHARGED OFF XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe the following information listed under Experian may be inaccurate or incomplete. I respectfully request an investigation into these accounts and for any errors to be corrected or removed. 

Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Late Payments : 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX XXXX Account Number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} CAP XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX XXXX  Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$5000.00} XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$3500.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments CAP XXXX Account Number : XXXX * * * * XXXX XXXX Account Number : XXXX * * * * XXXX XXXX Account Number : 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts listed on my Equifax credit report. These accounts are inaccurately reported, and I request an immediate investigation and correction of these items as they are affecting my credit score and financial standing. 

Charged Off Accounts : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$45.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$520.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$180.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$0.00} Inquiries : DEPT OF ED Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( 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 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/XXXX ans XX/XX/XXXX I was alerted via XXXX bank that credit inquiries were filled by Citibank via Best Buy, XXXX  via XXXX XXXX, and XXXX XXXX via XXXX store. I have no affiliation with these stores and their financial institutions. I never applied for these credit cards. I have not filed for a new card in quite some time. The only credit cards I have are XXXX  and XXXX. I have since alerted all of these companies of the fraud and am in the process of alerting the credit bureaus.

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 2025-12-22 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: MI

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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have found some incorrect personal information being reported on my file, and I want it to be FIXED. My full name is XXXX XXXX XXXX, I found a variation of my name which is XXXX and this variation does not match my last name, I want this to be FIXED and be updated to my correct last name. I live in XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, but, I found an incorrect address which is XXXX XXXX XXXX, XXXX, MA XXXX I want this address to be removed from my file. I also noticed an inquiry that I did not give consent. This inquiry was made without my knowledge, consent, or expressed written authorization, which is a direct violation of my rights under the FCRA 15 USC 1681b ( 2 ). The inquiry in question is XXXX XX/XX/year>, I disputed this last time but they failed to removed it. If this goes on, this will be similar to XXXX and XXXX  case where XXXX  was found violating the FCRA for failing to update the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : CHARGED OFF XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX  XXXX BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}

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 explanation
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-12-22 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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