vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX  was the year I finished a car payment loan and the bank truist proceeded to charge me for a different loan that I did not ask for. The exact amount of the loan is XXXX of the new loan I did not ask for. I went to the bank Truist last year to ask them when I will finish paying off my first loan and they told me I was finished paying it off and not this is a new loan that I never asked for. 
I thought I was paying off my first loan still after all this years but I had finished way before. Ever since I have been trying to investigate and ask when I made this loan and they told me I made it online and I did not do it online. I have been trying to call them and ask them about it and they tell me the same thing.

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 2025-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this dispute because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was never informed of their addition. The inconsistencies found across the three credit bureaus are concerning and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates credit agencies to ensure the maximum possible accuracy of reported information.

This also violates 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which ensures that consumers receive full and accurate disclosure of their credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report contains several negative accounts that are reporting inaccurate

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 2025-11-05 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: FL

Complaint narrative:
My credit report contains several negative accounts that are reporting inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of late payments on multiple accounts. TransUnions records show several payments as late when, in fact, they were made on time. This false reporting has caused unnecessary harm to my credit score and overall creditworthiness.

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
These account are fraudulently reported under my name without any authorization, consent, or knowledge on my part. I have never authorized, managed, or been associated with them in any way. This is utterly unacceptable, as it spreads false and damaging information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused me profound distress and alarm. I demand immediate clarification on why these accounts are appearing and who is responsible for reporting them provide full details without 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 non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
My credit report contains several negative accounts that are reporting inaccurate

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> an unathorized wire transfer in the amount of {$28000.00} was deducted from my business checking account. This wire was the reslut of 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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am the owner of XXXX XXXX XXXX, a Chase business account holder. On XX/XX/year>, I deposited a bank check into my corporate account to fund payroll, which I have done on multiple prior occasions. Without notice, a hold was placed on the check, causing extreme business harm. I received no written explanation as required by Regulation CC ( Sections 229.13 & 229.16 ). In fact, to this date, I have not received any notification, including no email, written or telephonic communication, including having called chase directly. 

When I visited the nearest chase branch located at XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX branch to inquire, I was treated rudely by the manager. I expressed my frustration and left. 

Recently, I discovered that my Chase Sapphire and XXXX XXXX credit cards were closed, and I was told by another branch manager that the bank was going to terminate the relationship due to an incident. I have received no written notice or explanation for any of these closures. 

I am also under the impression that chase will or has already frozen my bank accounts preventing me from accessing my funds and paying staff and bills. 

I am also concerned that this will impact my credit history which I maintain at the highest levels. 

I unfortunately have a difficult history with chase including their brokerage division as laid out in point # 6 below Given the sequence of events, I am concerned these actions may constitute retaliatory misconduct following my good-faith complaint about the check hold.

I have requested that chase please provide within 10 business days : 1. Written reasons for the account closures and the cited incident ; 2. Copies of all closure notices and internal notes ; 3. Confirmation of whether my credit reports were affected ; and 4. Steps Chase will take to correct any procedural errors or reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Federal Fair Debt Collection Practices Act, 15 U.S. Code 1692c, XXXX XXXX XXXX violated my rights as a consumer, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, to resolve this matter, as warranted. Please take note that I am declining any attempts by, or any other collection agency with regards to this matter. In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. You are also requested to CEASE AND DESIST contacting me with further regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I had an account with Mongomery Ward which I defaulted on in XXXX. Account was later written off and closed. Here it is showing up in XXXX as late since XXXX. This is incorrect information which is costing me dearly as I am now in the house search phase and this is going to deny me from getting approved. I've tried disputing with XXXX  with no luck. I called Montgomery Ward to try to make some type of arrangements and they said I have to write a letter. I have not made a payment on this account since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am submitting this complaint because I have already mailed a formal dispute letter to the credit bureaus and the collection agencies regarding XXXX collection accounts that are being reported inaccurately on my credit file. Despite my written request, these accounts remain on my credit report without any valid proof or documentation provided. 

The disputed accounts are as follows : XXXX XXXX : XXXX Account Number : XXXX Amount : {$10000.00} Date of Account : XX/XX/XXXX Creditor/Collection Agency : XXXX FIN Account Number XXXX XXXX Amount : {$22000.00} Date of Account : XX/XX/XXXX I do not recognize these accounts, nor did I authorize any such reporting. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), any information reported must be accurate, complete, and verifiable. 

In my mailed dispute, I requested the following documentation for validation under FDCPA 809 ( 15 U.S.C. 1692g ) : A copy of the original signed contract or agreement with the creditor.

Complete account statements showing the debt history.

Proof of assignment or transfer of ownership from the original creditor to the collection agency. 

Evidence that this debt was reported in compliance with both the FCRA and FDCPA. 

No such documentation has been provided, and these accounts continue to appear on my credit report. This constitutes a violation of FCRA 607 ( b ) ( duty to ensure maximum possible accuracy ) and FCRA 611 ( failure to properly investigate disputed information ).

I am requesting that the CFPB investigate this matter and ensure that these unverified and fraudulent accounts are deleted immediately from my credit report if the furnishers can not provide proper validation. 

I have attached a copy of my dispute letter and supporting documentation for your review.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Deposit of cashiers check on XX/XX/XXXX XXXX navy Federal Credit Union held check for 5 days then said it was fraudulent and removed funds from my account but did not return to sender. I have a copy of the paid check from senders financial institution and there is no report of fraud. NFCU has not provided any documentation as to what happened or where the fraud accusations came from. They have taken funds without explanation and are not returning either to myself or the sender

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Today on Tuesday XX/XX/XXXX I got a call from Chase, submitted my social security number and was approved for an XXXXXXXX XXXX XXXX 

I attempted to login to my chase account to manage the card and it didnt work. Every time I call chase the reps try to verify me via text message and are unable to do anything because their system rejects the number I have used for a decade. 

I am unable to manage the card, I am unable to redirect it to my college address ( which I have a lease document for us and which shows up on my credit reports already ) and I am unable to use it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this letter to formally dispute the inaccurate reporting of a bankruptcy on my credit report. After reviewing my records, I obtained an official letter from the court confirming that this bankruptcy should not be reported to any credit bureau. Despite this clear evidence, the information continues to appear on my report, which is both concerning and misleading. The fact that this bankruptcy is still being reported, even after receiving confirmation from the court, represents a serious error that negatively impacts my creditworthiness and overall financial standing.

Furthermore, it has come to my attention that an unauthorized third party appears to be involved in this matter, which raises additional concerns regarding the accuracy and integrity of the data being reported. I am deeply troubled by how my personal and financial information may have been mishandled or accessed without authorization. This issue deserves immediate attention to ensure my credit file remains accurate and compliant with federal reporting laws.

What makes this situation even more questionable is that only TransUnion is reporting this bankruptcy, while the other major credit bureaus are not. This inconsistency strongly suggests that the data is either incomplete, inaccurate, or improperly verified. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, any information that can not be verified or is proven to be inaccurate must be deleted from a consumers credit file without 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I discovered my ATM card was missing and noticed unauthorized withdrawals totaling {$1900.00}. I reported the fraud to Navy Federal the same day. On XX/XX/year>, I received a letter denying my claim. I requested documentation of the denial on XX/XX/year>, and again on XX/XX/year>, but have not received any explanation or supporting evidence. I filed an appeal on XX/XX/year>, with a police report ( Case # XXXX ). On XX/XX/year>, Navy Federal said my claim remains denied without reason. Im requesting reconsideration and reimbursement under Regulation E ( 12 CFR 1005.11 ). I also can not optain a copy of the police report because I have no money to do so. This money has made me almost get evicted from my residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of late payments on multiple accounts. Equifaxs records show several payments as late when, in fact, they were made on time. This false reporting has caused unnecessary harm to my credit score and overall creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have attempted to order checks through Citibank twice. After two months waiting for checks I went into a branch. I was told they use a third party vendor to produce checks which was not told to me. I had to wait almost one hour for the branch attendant to call the third party only to find out the checks had been lost. The checks were reordered. I was supposed to receive them last week but they are once again lost. I called customer service and they refused to contact the third-party vendor. I have been waiting for three months to get access to checks. I am getting no help from Citibank and my account is at risk. Their solution was for me to open a new account. This is unacceptable.

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 2025-11-05 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: FL

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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