vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I complained XX/XX/year>, XX/XX/year> before that, and before that : my largest credit card is missing from my Transunion credit report - every other credit report shows it. 

Transunion took over a month and a half to respond.... that the item is missing from my Transunion credit report (?!!!! ) ) Pasted here : " In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included are instructions on how to obtain a credit report. '' Again CFPB has closed the case (?!!!! ) Every other credit bureau reports my XXXXXXXX XXXX XXXX. Transunion continues FALSIFYING MY CREDIT REPORT.

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 2025-12-18 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: NV

Complaint narrative:
I submitted multiple disputes to Equifax regarding fraudulent XXXX XXXX XXXXXXXX accounts, accompanied by a complete FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address. Despite this, Equifax has failed to block or delete the fraudulent accounts within the legally required four business days under 15 USC 1681c-2. 

Equifax also continued reporting the accounts with contradictory information compared to other credit reporting agencies ( XXXX XXXX XXXX ), including differences in Date of Last Activity, Date Reported, account status, and remarks. My previous disputes were ignored, and the accounts are still listed as not disputed, even though I provided verifiable evidence of identity theft. 

As a result, my credit score has been significantly harmed ( reported drops of XXXX points ), negatively impacting my ability to obtain credit, housing, and other financial services. Equifaxs actions demonstrate willful violations of FCRA 605 ( a ), 605B, 607 ( b ), 611, 623 ( b ) and the Gramm-Leach-Bliley Act ( 15 USC 6801 ). 

I request that Equifax immediately block and delete all fraudulent accounts, correct contradictory reporting, and confirm the removal in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am a victim of identity theft and unauthorized electronic fund transfers involving XXXX through my Chase account. Unauthorized individuals gained access to my credentials and initiated XXXX transactions without my knowledge or consent. 

I notified Chase Bank and XXXX immediately upon discovering the fraud. Despite timely notice, Chase denied my fraud claim without a meaningful investigation and without allowing me to submit supporting documentation. 

I was repeatedly transferred throughout Chases claims department and dealt primarily with a claims supervisor named XXXX and her manager XXXX. I was repeatedly told nothing further could be done, which is inaccurate under consumer protection laws governing unauthorized electronic fund transfers. 

Chase improperly claimed that the transactions were authorized because they appeared to originate from my phone. This ignores the reality of account takeovers, compromised credentials, and identity theft. I did not authorize these payments and did not give anyone permission to access my phone or accounts. 

Chase subsequently closed my account, further harming me as a fraud victim. I never received a written claim denial or closure notice by mail, and I was never informed what documentation Chase would accept to reconsider my claim. 

I am seeking reimbursement of all unauthorized XXXX transactions, a written explanation for the claim denial, and a proper executive-level review of my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I received a notification that my Chime account features were blocked ( Withdrawals, Transfers, Purchases, Use of my card ) the following day I tried multiple times to buy a gift for my girlfriend and there was no notification of it declining so I just assumed the website was glitching. That's when I first realized my account was actually on hold. A few hours later I needed to order food for my son and I as I do not own a vehicle. I called to inquire about the hold and all they told me on the phone was " The system detected unusual activity and has placed a 48hr hold on your account. '' That is all of the information I was told that he had access to. So I hang up and spend the next 24 hours trying to figure out food and transportation for my kids and I with no access to my money. At about XXXX today I called and inquired about what time the hold would be lifted. The only information they provided me was that " it should be today or tomorrow ''. Today, XX/XX/XXXX at around XXXX I received a notification that my account has been unlocked and I got up, put my shoes on and told my kids we were going to get food just to get another notification literally 4min after the first saying that my account features were blocked... AGAIN. I have called numerous times and they have yet to provide me any reason for these holds and have refused numerous times to transfer me to a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Credit Management Companys unlawful credit reporting of an alleged collection account on my consumer credit report. 

Credit Management Company is reporting a collection account with a balance of {$1500.00}, allegedly owed to XXXX XXXX XXXX, opened on or about XX/XX/year>. This reporting is inaccurate, misleading, and not supported by competent evidence. 

First, this account violates 15 U.S.C. 1681 ( a ) ( 2 ), which requires maximum possible accuracy in consumer reporting. Reporting a negative balance on a collection account materially misrepresents the nature of the alleged obligation and falsely suggests a credit or overpayment rather than an alleged debt. This format is misleading to creditors and does not accurately reflect any lawful consumer liability.

Second, Credit Management Company has failed to comply with 15 U.S.C. 1681 ( e ) ( b ). The furnisher is reporting this account as a verified, derogatory debt without demonstrating that reasonable procedures were used to ensure accuracy. No signed contract, itemized billing, proof of assignment, or evidence of legal authority to collect has been provided. Reporting an unverified account as derogatory reflects a failure to maintain reasonable procedures. 

Third, this account violates 15 U.S.C. 1692g of the FDCPA. Credit Management Company has not provided proper debt validation, yet continues to report the account to consumer reporting agencies. Credit reporting constitutes collection activity, and continuing such activity without validation is prohibited by federal law.

Finally, this conduct also violates 15 U.S.C. 1692c, which restricts unlawful communication in connection with debt collection. Reporting an unvalidated and disputed debt to consumer reporting agencies constitutes indirect communication designed to pressure payment and is prohibited under this statute. 

Because this account is inaccurate, misleading, unvalidated, and unlawfully reported, correction is insufficient. The only legally compliant remedy is complete deletion of the collection account from all consumer reporting agencies. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
So on Monday, which Monday is on XXXX XXXX, thats when they restricted my account saying that it was fraud. It was me they would tell me that I would have to just wait for the investigation because it was suspicious so on the XXXX I let I try to see if I could use it because it let me move money from my XXXX to my chime account to bring down my negative balance always had a negative balance there so I dont know why they are saying suspicious so today I called it was still suspicious fraud. Then I called back at XXXX XXXX. They told me that it should be done a little bit this afternoon so I try to use it at XXXX XXXX. They said it was fraud again then I talked to someone at XXXX he told me at the end of my shift at my job. Try to use my card what happened suspect as fraud at XXXX they restored my account then I tried to use it before I even got the message that they restored it. It was before that then they put my account XXXX minutes after XXXX they put it back on restricted I called. I wanted to talk to a supervisor they went in said the supervisor can not help me whatever theyre telling me is whatever that person was going to tell me you cant understand them and then the person hung up on me so I had called back now XXXX like serious. I waited for XXXX minutes to talk to someone .. now I have to wait another XXXX hours to fix that account so I have bills I have medication. I got ta purchase and I cant do it because they wont allow me to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a notification from Barclays on XX/XX/year> that my credit limit was reduced to {$13000.00} that left me with credit available of {$58.00} left. The decrease on my credit card will highly impact my credit score since my credit limit on my Jetblue credit card will be on 100 % usage. My previous credit card limit was above {$30000.00} and decreasing my limit more than 60 % is the worst service I ever have with a credit card company. I contacted a credit specialist the same day I received the notice and they said that I have too many debt and I was late few times in the year with some payments even though my credit history report shows that I am 100 % on time payments with all my credit accounts. I have the Jetblue Barclays card for more than a decade and I feel upset that they dont take consideration with my history with my credit card. Jetblue card is the card I use for my everyday expenses and to earn rewards and was my credit card with my higher limit. Few days after I received another notification from my XXXXXXXX XXXX XXXX  that my credit limit was increased, so how XXXX credit card is increase and the other been decreased. I think barclays is violation the fair credit act and government should investigate those negligent actions against consumers that affect people lives and credit score. I am thinking to file a lawsuit against Barclays for that negligent act to treat loyal customers. I attached proof of the letter I received from Barclays and the letter I receive from XXXX as proof that another credit card has been increased.

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 2025-12-18 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: IL

Complaint narrative:
XXXXI am writing to formally dispute inaccurate and unauthorized personal information currently\nbeing reported on my credit file with your agency, in violation of the Fair Credit Reporting Act\n(FCRA), 15 U.S.C.  1681 et seq., and my federally protected Right to Privacy. Pursuant to 15\nU.S.C.  1681e(b), credit reporting agencies are legally required to maintain only accurate\ninformation and ensure the maximum possible accuracy of consumer data. Furthermore, the\nFCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information,\nincluding addresses and employers that are not demonstrably and directly associated with the\nconsumers credit history. Incorrect Information Reported: Name Variations  The only\nauthorized and correct name that should appear on my credit report is: XXXX XXXX XXXX  Any other name variation must be permanently removed as it is\nincorrect and misleading. Addresses  The only address that should appear on my credit file is:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other addressesincluding but not\nlimited to  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAny previous address listings without proper verification or\nassociation with my credit history must be removed immediately as they are erroneous and\nconstitute a violation of FCRA provisions. Legal Basis for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the FCRA, you are obligated to: Ensure the maximum\npossible accuracy of the information in my file ( 1681e(b)) Correct or delete any information\nfound to be inaccurate or unverifiable within 30 days of this notice ( 1681i(a)) Refrain from\nviolating my Right to Privacy by publishing or reporting personal data without my consent or in\nthe absence of a permissible purpose.'

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 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Around XXXX XXXX, I began receiving a high volume of unsolicited phone calls and voicemails advertising personal loans. At the peak, I was receiving multiple calls per hour from different phone numbers over several weeks. Although the volume later decreased, I continue to receive these calls intermittently. 

I did not apply for or take out a loan and did not give permission to be contacted. The only related activity was briefly browsing loan offers within the Credit Karma app shortly before the calls began. I did not click through to external lenders or submit an application. 

The callers did not clearly identify themselves and appeared to be multiple companies or third-party marketers. I blocked numerous phone numbers and enabled call-screening features to stop the calls. The calls eventually slowed, but the volume and timing strongly suggest my information was used for unsolicited loan marketing without my consent..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
First date of issue XX/XX/year> XXXX - got notice of limited access to account, not able to transfer funds, used cards, withdrawal funds. 
Was told that there was nothing they could do, they have to wait 48 hours. 
I then got hung up on. 
XX/XX/year> XXXX - called back, asked for a supervisor who then spent XXXX mins on hold for a supervisor. Once I got to a supervisor was told this was a technical issue on the back end and he advised me there was no unusual activity as we went over the activity together. 
Still told me he couldn't unlock the account and I had to wait the XXXX hours. 
XX/XX/year> - XXXX called the company after my account seemed to still be limited. 
Was told they don't know why its still limited and then again talked to another supervisor who said I have to wait the XXXX hours. I asked if this was the same or a different XXXX hours. I was told the same XXXX hours. Told me I would get notification when the account is unlocked. 
XX/XX/year> XXXX- got an email that my account was back to normal. 
XX/XX/year> XXXX- got an email that my account was limited again XX/XX/year> XXXX - called chime again and was told that my account is limited and have to wait XXXX hours for unusual activity but I had not used the card or anything to have unusual activity so I asked how it could be flagged yet again They just said sorry and hung up on me. 
XX/XX/year> XXXX - called back and asked for a supervisor due to being hung up on with no answer. Supervisor told me again that it was a technical issue and he was sorry but nothing he could do.

Then he also hung up on me when I asked how I was supposed to get my money to pay my bills. 
XX/XX/year> XXXX - called back yet again and said I needed to talk to someone higher than the supervisors at this point and was told there is no one higher. I said then I need my account taken care of and that this needs to be resolved at this point it's past the XXXX hours and my account is still limited and they need to fix it. 
They told me they can't and I have to wait another XXXX hours. 
Then they hung up. 
XX/XX/year> XXXX - called yet again and told the person that they need to take this up the chain and I will be contacting legal about my issue they refused to give me the information to contact legal. She also told me it was a back end issue. The call center they are in is located in the XXXX and I feel they should have one in the XXXX and take care of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiBank is inaccurately reporting my account information on all three credit bureaus. They are reporting a missed/late payment that never occurred I have been on time with every payment for this card since the account was opened. This false late payment has significantly damaged my credit score and is not accurate. 
Additionally, CitiBank is reporting the same credit card twice on all three of my credit reports. This duplicate reporting is causing double utilization, double balance reporting, and double late reporting, even though there is only one real account. This is a serious reporting error and is unfairly lowering my credit.

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