vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXXI GOT A CALL TODay from citi back stated i have had a card applied for in my name with a charge that has bees tried to be applied. I wad asked if i have lost mt ID i stated, no. I was told that charge was XXXX to a XXXX XXXX. I stated i have not applied for a card with CITI BANK. The CITI bank rep XXXX XXXX XXXX stated the FBI will call. He stated he could connect me to talk with a state FBI Rep he state no XXXX  parties on line, and be trueful. I was not able to talk longer he suggested he could call back AT XXXX I did not hear back fron him. I was to know if the FBI really talk to be yesterday on the phone. I tried to call CITI BAND CON NOT GET A REP ONLINE TODAY.XXXXI NEED HELP.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 2025-12-03 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: NJ

Complaint narrative:
XX/XX/year> contacted Experian via mail at XXXX XXXX XXXX, XXXX, TX XXXX to Investigate and Remove a medical collection account, XXXX XXXX XXXX, Original creditor : XXXX XXXX - XXXX XXXX - Account # XXXX Collection Medical Account XX/XX/year>. 
XX/XX/year> Sent an Online Dispute Experian website to to Investigate and Remove a medical collection account, XXXX XXXX XXXX, Original creditor : XXXX XXXX - XXXX XXXX - Account # XXXX Collection Medical Account XX/XX/year>. 
XX/XX/year> sent certified mail with return receipt to Experian to REMOVE the medical collection account under " FCRA XXXX XXXX XXXX '' They have not responded to any requests, did not provide any information to me in order to Verify the debt medical Collection Account and has not complied with the FCRA XXXX XXXX XXXX regarding Medical Collection Accounts for XXXX XXXX must be deleted from the personal credit file and not used to adversely affect credit reporting for consumer credit. 
XX/XX/year> i was denied a Credit line increase and credit from XXXX XXXX bank because of adverse XXXX XXXX account on my Experian credit report during their XXXX XXXX of my credit file. 
I demand that under these rules and lack of verification documents that this collection account be deleted immediately.

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 2025-12-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my credit reports. I disputed this information with the credit bureaus because the account is inaccurate. The bureaus marked the account as verified, but Portfolio Recovery did not provide any documentation or evidence that verifies the debt. 

I then submitted a Method of Verification request under FCRA 611 ( a ) ( 7 ), requesting : Who verified the account What documents were reviewed The exact method used to verify the account Portfolio Recovery did not provide the required documentation. They only added remarks to the credit report, which is not verification under the Fair Credit Reporting Act. They have not validated : Proof of ownership of the debt Original signed contract Proof that I owe them Itemized balance Chain of assignment They continue reporting without providing legally required evidence. 

This is a violation of : FCRA 611 ( a ) ( 7 ) : Failure to provide the Method of Verification FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information FCRA 623 ( a ) ( 1 ) : Reporting information they can not verify Portfolio Recoverys actions have caused my credit scores to drop, impacting my ability to obtain housing and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Navy Federal Credit Union allowed unauthorized access, failed identity verification, ignored account restrictions, and is attempting to hold me liable for this debt. 

Complaint : RE : NFCU Member Number XXXX In XXXX, Navy Federal Credit Union ( NFCU ) allowed another individual my mother to access my account in person at two different branch locations using my XXXX state-issued ID. The branch staff at both locations failed to verify me as the designated party, and failed to verify my required codeword, which was mandatory on all my accounts. They also ignored a documented security instruction on my accounts stating : Do NOT accept personal checks, including personal checks from me. 

Despite these protections, Navy Federal allowed this person to : Present my ID Bypass identity verification Cash several personal checks Conduct unauthorized transactions The checks were invalid, and the account was driven negative. As a result, Navy Federal closed my accounts and has continued to claim that I owe them more than {$4000.00} when I only wanted to call to rectify the situation in ensuring it was resolved and I wouldnt be responsible. 

I did not authorize this transaction, nor did I participate in it. NFCUs negligence directly allowed the fraudulent transactions to occur. Their failure to follow their own authentication procedures resulted in reputational, financial, and ongoing emotional harm. 

Furthermore : Upon discovering the situation and attempting to rectify it with finding a solution, Navy Federal implied I should help them prosecute my mother, which felt coercive and inappropriate as if I played a part in her actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have called multiple times, I have chatted with customer service, I have send the letters back and I have emailed them MULTIMILLION of times and I am still receiving mail for that individual at my house even after stating I do not want to be associated with him. Below is an example of emails Ive sent. Ive deleted addresses and names as per your request. 

Dear Robinhood Compliance or Customer Service Team, I am contacting you regarding mail your company continues to send to my address : These letters are addressed to.. who does not reside here and has no connection to this residence. Despite prior phone calls requesting removal, I am still receiving mail for this individual. 


Please take this as a formal written notice to immediately remove my address from your records for this person and to cease all future correspondence addressed to them at this location. 

For documentation purposes, I request written confirmation that this address has been disassociated from that individuals records. 


Thank you for your prompt attention to this matter. 

Sincerely,..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last XXXX Balance Owed : {$13000.00} late XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX of Last XXXX late XXXX days XX/XX/XXXX, XX/XX/XXXX, late XXXX  days XX/XX/XXXX, XX/XX/XXXX, late XXXX  days XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX days XX/XX/XXXX, late XXXX days XXXX XXXX not reported in XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last XXXX late XXXX days XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, late XXXX days XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, late XXXX  days XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX days XX/XX/XXXX, XX/XX/XXXX, late XXXX days XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XX/XX/XXXX, late XXXX days XX/XX/XXXXXXXX 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my prior CFPB complaint XXXX and feedback submitted XX/XX/year>. 

Equifax continues to report an unverifiable XXXX XXXX XXXX XXXX repossession ( acct ending XXXX ) despite : XXXX and XXXX both permanently deleting the identical tradeline after investigation My repeated requests for validation documents ( signed contract, XXXX, chain of title, XXXX XXXX proof, Texas UCC repossession notices , etc. ) and XXXX produced or provided My FTC Identity Theft Report requiring a XXXX block ( 1681c-2 ) never done Explicit request for method of verification ( 1681i ( a ) ( 7 ) ) still refused Over XXXX days elapsed since my XX/XX/year> dispute Equifax recently changed the remark from charged off to paid repossession without explanation or deletion confirming they updated the tradeline but still refuse to remove it. 

Under Cushman v. Trans Union ( 115 F.3d 220 ) and Henson v. CSC ( 29 F.3d 280 ), Equifax can not reasonably report information the other nationwide CRAs have deleted.

Continued reporting is willful noncompliance. 
Demand : PERMANENTLY DELETE this tradeline within XXXX hours I have been denied credit approximately XXXX times because of this item .I will pursue all remedies under 1681n if not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
Complaint ID XXXX Unable to submit The proof of document or THE submission to the Consumer Portal. 
Attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I just want to follow up to formally disputing an inaccuracy on my THRE BUREAU credit report that misrepresents my financial history, creates a false impression of my creditworthiness, and requires immediate investigation and correction under federal law. My XXXX XXXX XXXX account ending in XXXX is reported as a late open account with a {$14.00} balance, with the date reported as XX/XX/year> and the date of last activity as XX/XX/year>, which is entirely inaccurate, as the account was opened and managed responsibly, and no delinquency or late payment has occurred. Reporting this account as late not only mischaracterizes my reliability but also creates a misleading narrative suggesting financial mismanagement, directly violating FCRA 611 ( 15 U.S.C. 1681i ), which provides me the right to dispute any inaccurate or incomplete information on my credit report and obligates Experian to conduct a reasonable investigation and correct errors. This inaccurate reporting further violates FCRA 623 ( a ) ( 2 ), which requires furnishers to ensure the information they provide to credit bureaus is accurate, and FCRA 623 ( b ), which obligates furnishers to conduct a reasonable investigation whenever a dispute is raised and to correct or remove inaccurate information. Reporting this {$14.00} balance as late falsely inflates perceived risk and can adversely impact my ability to access credit or favorable financial terms. I request that Experian conduct a full investigation with XXXXXXXX XXXX XXXX, verify the accurate status of this account, and promptly correct all inaccurate reporting. I further request written confirmation of the results of your investigation and an updated credit report reflecting the correct balance, account opening, and activity dates. I am invoking my rights under FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), as well as FCBA 1666 and 1666a, which protect consumers by ensuring billing errors are corrected, prevent adverse actions while a dispute is pending, and require that furnishers and credit bureaus maintain accurate reporting. Correcting this inaccuracy is essential to ensure my credit report reflects my true financial behavior and responsible account management.

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 2025-12-03 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: VA

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX XXXX Subject : Demand for Immediate Investigation & Removal of Fraudulent/Incorrect Accounts Violations of My Rights Under 15 USC 1681 To Whom It May Concern : I am formally disputing several fraudulent and inaccurate collection accounts that have appeared on my credit report following my confirmed exposure in a major data breach. The appearance of these accounts raises immediate concerns of identity theft, privacy violations, and unlawful furnishing of inaccurate information in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

These accounts do not belong to me, were never authorized by me, and are the result of my personal information being compromised. 

The accounts that MUST be deleted immediately are : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}

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