vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding Equifax / Experian / TransUnion/ which has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling inaccurate and disputed credit reporting information on my credit report. Under 15 U.S. Code 1681o, a consumer reporting agency or furnisher of information may be held civilly liable for negligent noncompliance with the FCRA. Their failure to correct known inaccuracies, or to conduct a reasonable investigation following my dispute, constitutes a clear violation of this statute. As a result of this negligent noncompliance, I have suffered damage to my credit reputation, denial or higher cost of credit or insurance, emotional distress and frustration, time and money spent attempting to resolve this matter. I respectfully request that the CFPB,, hold the party accountable for FCRA violations under 1681o, and help facilitate the removal of this erroneous item from my credit report. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian/Equifax/Transunion inaction violates federal law and my rights as a consumer

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 2025-08-05 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally filing a complaint against the credit reporting agencies TransUnion, Experian, and Equifax for the inaccurate and unlawful reporting of a bankruptcy on my consumer credit reports. 
Reason for Dispute : The credit bureaus are reporting a bankruptcy account that has not been verified by the original furnisher of the information, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, and 15 U.S.C. 1681i. I am asserting the following violations : XXXX. No Original Furnisher Validation : - The courts ( PACER ) do not furnish data to consumer reporting agencies. 
- XXXX, if used, is a third-party aggregator and not an original furnisher under FCRA. 
- The credit bureaus are reporting bankruptcy information without direct verification from a party authorized to report. 
XXXX. Violation of 15 U.S.C. 1681i ( Reinvestigation Requirements ) : - Upon my request for verification, none of the CRAs provided proper reinvestigation results from the court or original source. 
- Under this section, the CRA must reinvestigate and remove unverifiable or inaccurate information within 30 days. 
XXXX. Violation of Metro 2 Compliance Standards : - The bankruptcy is not being reported using proper base segment codes and lacks the required documentation standards per Metro 2 format. 
- If the bankruptcy is not being reported using the correct XXXX or HZ segment ( as applicable ), this is a breach of the CDIA reporting rules. 
XXXX. Violation of FCRA 1681e ( b ) Maximum Accuracy : - The reporting agencies are obligated to ensure maximum accuracy, and the presence of unverifiable XXXX  data without original furnishing fails that requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Klarna AB
State: MD

Complaint narrative:
I tried to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$88.00} online and saw XXXX that was less expensive at XXXX I went ahead and went through through the purchase process using Klarna for XXXX installment payments with no interest on that site. However, I did not receive and confirmation email. The purchase showed up on my Klarna account as purchase from XXXX XXXX XXXX XXXX XXXX. I therefore sent sent complaint online regarding that at their web site that I had not received a confirmation e-mail. However, I received no response. I also called their phone number and had no response. The item was not delivered either. 

I therefore called Klarna that the web site that I purchased the item from was fraudulent and that they should stop further payments. Klarna had initially put a stop to the payment after the first payment when called them at least XXXX times and notified them that the transaction was fraudulent. 

Klarna sent me tracking link to track the purchase. When I clicked on the link, I got the error : " XXXX Looks like the page you are trying to visit doesn't exist. Please check the URL and try your luck again. '' I notified Klarna of this, yet they still went ahead and made the next payment refusing to stop payment, in effect aiding and abetting fraud. The good question is, where is the payment going and for what is the payment being made. Klarna needs to answer these questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Good Morning, Hope all is well.. I pulled my report and noticed I have a late payment with Military Star Card when it was indeed paid on time. I even went to XXXX XXXX XXXX XXXX where they signed my receipt the day I paid.. I left a copy with their manager as well and he stated he would put it on file and correct this error. The payment was mailed in from XXXX due to me being deployed at the time. Please let me know if I need to re mail in proof again that this was paid on time. Thanks you guys in advance. The account is still in good standing and I would like to keep it that way.. Thanks you guys in advance

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 2025-08-06 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I didnt try to get any loan from anywhere and I have these inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card, XXXX XXXX on XXXX under account number XXXX. XXXX XXXX XXXX  on XXXX XXXX under account number XXXX. XXXX XXXX on XXXX XXXX under account number XXXX. XXXX XXXX XXXX on XXXX under account number XXXX. XXXX on XXXX XXXX under account number XXXX. XXXX XXXX on XXXX under account number XXXX. XXXX  on XXXX XXXX under account number XXXX. XXXX XXXX on XXXX XXXX under account number XXXX. Collections : XXXX XXXX on XXXX under account number XXXX, XXXX  XXXX XXXX on XXXX under account number XXXX, XXXX XXXX XXXXXXXX on XXXX under account number XXXX, XXXX XXXX XXXX on XXXX XXXX under account XXXX, XXXX XXXX XXXX on XXXX XXXX under account number XXXXXXXX XXXX XXXX  on XXXX XXXX under account number XXXX, XXXX XXXX  on XXXX XXXX under account number XXXX, XXXX XXXX XXXX  on XXXX under account number XXXX, XXXX XXXX XXXX on XXXX XXXX under account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-08-06 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:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card, XXXX XXXX on XXXX under account number XXXX. XXXX XXXX XXXX  on XXXX XXXX under account number XXXX. XXXX XXXX on XXXX XXXX under account number XXXX. XXXX XXXX XXXX on XXXX under account number XXXX. XXXX on XXXX XXXX under account number XXXX. XXXX XXXX on XXXX under account number XXXX. XXXX  on XXXX XXXX under account number XXXX. XXXX XXXX on XXXX XXXX under account number XXXX. Collections : XXXX XXXX on XXXX under account number XXXX, XXXX  XXXX XXXX on XXXX under account number XXXX, XXXX XXXX XXXXXXXX on XXXX under account number XXXX, XXXX XXXX XXXX on XXXX XXXX under account XXXX, XXXX XXXX XXXX on XXXX XXXX under account number XXXXXXXX XXXX XXXX  on XXXX XXXX under account number XXXX, XXXX XXXX  on XXXX XXXX under account number XXXX, XXXX XXXX XXXX  on XXXX under account number XXXX, XXXX XXXX XXXX on XXXX XXXX under account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I am submitting this formal dispute and complaint regarding multiple fraudulent credit inquiries that have appeared on my credit report without my authorization. These inquiries are the direct result of identity theft. I have included my FTC Identity Theft Report ( # XXXX ) as proof of my claim. 

The following inquiries must be permanently deleted from my credit report : XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX of XXXX XXXX XXXX These inquiries were not authorized by me and were made without any permissible purpose under the law. 



Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ) Upon receipt of an identity theft report, consumer reporting agencies must block the reporting of any information resulting from identity theft within XXXX business days. 
15 U.S.C. 1681i ( a ) CRAs must conduct a reasonable reinvestigation of disputed information and delete it if it can not be verified as accurate.

15 U.S.C. 1681b ( c ) CRAs may only provide consumer reports for permissible purposes ; unauthorized inquiries violate this provision. 
Requested Resolution Enclosures : FTC Identity Theft Report # XXXX I expect a full investigation and resolution within the timeframes mandated by law. 

Sincerely, 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/year>, I pulled my credit report and noticed several unfamiliar accounts listed. These accounts do not belong to me, and I did not open or authorize them. I am very concerned that my identity may have been used fraudulently or that an error occurred in reporting. I have not received any notification or documentation regarding these accounts, and I have never done business with many of the companies listed. This is affecting my credit score and could potentially impact my ability to secure housing, employment, or financial services.

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 2025-08-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I submitted formal disputes to TransUnion, Experian, and Equifax regarding an account from XXXX XXXX XXXX that contained conflicting and inaccurate information. Initially, TransUnion reported a {$0.00} balance, while Experian and Equifax reported a {$19000.00} charge-off. I disputed this under FCRA 611 and 623, requesting verification and correction. 

The companies responded by updating the tradeline, but the problems worsened. TransUnion changed the balance to {$19000.00}, but Equifax continued to report a different high credit value ( {$20000.00} vs. {$20000.00} reported by the others ), and the dates of last payment and activity are still inconsistent. Despite these updates, the account continues to report as derogatory across all three bureaus, and no consistent verification has been provided. 

I requested full investigation details, including the method of verification, per FCRA 611 ( a ) ( 7 ), but never received a breakdown or supporting explanation from the CRAs. Instead, I received generic letters or no meaningful response at all. These ongoing inconsistencies and refusal to delete or properly verify the account violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). 

I am requesting that the CFPB require the companies to either : XXXX. Provide full verification evidence with matching data across all bureaus, or XXXX. Delete the tradeline due to continued noncompliance, conflicting information, and unresolved procedural failures.

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 2025-08-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX ) Opened a new 8 months {$5000.00} CD on XX/XX/2025 at CITI.com XXXX ) Transferred {$5000.00} from checking account into above mentioned CD account on XX/XX/2025. This transaction completed online. 
XXXX ) This CD was not opened properly XXXX ) After XXXX or XXXX  days above {$5000.00} was disappered and CD was closed without my notice XXXX ) I went to CITI bank XXXX MD branch on XX/XX/2025 to escalate the problem XXXX ) As of now, XXXX weeks are completed but still not much progress in this issue XXXX ) The only answer I hear from CITI bank staff is they are investigating about these lost funds

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX Binance erroneously charged me XXXX  times for the same transaction for a total of {$4500.00} because of a technical glitch of the page that did not load properly. The timestamps of each transaction are milliseconds apart. I immediately sent several emails to customer service ( since there is no phone contact available ) and never received a response, only automatic replies explaining high email volume and long wait times. I tried again for weeks, but Binance never replied or resolved my support ticket and never provided an explanation. 

I eventually disputed the charges with my bank, XXXX XXXX. Then XXXX  years later in XXXX I received a letter from XXXX XXXX XXXX saying that I owe {$3500.00} to Binance. This amount was after Binance cashed in the crypto currency it claims was added to my account at some arbitrary moment to settle what they believed was my {$4500.00} debt. 

I never traded or cashed in on the crypto currency involved in these transactions. I never heard from anyone at Binance after asking and begging for these transactions to be canceled. I could have immediately sold that currency to get my money back, but I trusted Binance to help me reverse the charges. 

Now my credit is being ruined for this error, and I never used or profited from any transactions, I only wanted them canceled.

Company response to consumer: Closed with explanation