vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX a agreement for intrest rate to be deemed 3 % for twelve month period with non usuage of the card for 12 months then the card would be back available to use. Navy Federal breached the contract and closed the card before the 12 month period. Previous CFPB complaint file in XX/XX/XXXX where Navy federal then closed the account and reframed from reporting on my credit file payments have been made but intrest still hitting the card balance is still as high as it was with payments over 12 mth period more than 3 % being charged however no new notification sent to make me aware of any new terms. Requested settlement Navy federal denied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga, XXXX Date:XXXX To : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Notice Breach of Contract and Refrain from Payment Obligation To Whom it may concern, This letter serves as a formal notice concerning the account referenced below : Account Ending in XXXX Cash rewards I am writing to inform you that I will not be remitting further payment on the above-referenced account due to a material breach of contract on the part of your institution. Upon review, I have found that : 1. The account has been closed without my consent or without proper notification.

2. The account is no longer being reported to the credit bureaus, indicating the creditors election to cease collection and reporting activity.

3. Such actions constitute a breach of the original credit agreement and are inconsistent with the Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which require accurate, fair, and transparent handling of consumer credit information.

By failing to maintain accurate and ongoing reporting, and by closing the account without resolution, you have effectively terminated the contractual obligation between us. Continuing to demand payment on a non-reporting, closed account constitutes unfair or deceptive practices under 15 U.S.C. 45 ( a ) ( Federal Trade Commission Act ) and may be subject to further investigation.

Therefore, under my rights provided by federal consumer law, I am formally requesting that : You cease any collection activity or further demands for payment on this account ; You provide written confirmation of the accounts current status, including whether it has been charged off, sold, or otherwise terminated ; and If this matter is not resolved within 30 days of receipt of this notice, I will consider your continued collection efforts as willful noncompliance and reserve the right to pursue all available remedies under federal and state law. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
* * * * * * IMPORTANT * * * * * * PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX and informed them that I have fraudulent charges on my account that I did not authorize and that I would like to file a dispute. There is a total of 8 charges and the grand total equals up to {$820.00}. They emailed me the very next day saying this message Were unable to honor your fraud claim for your Debit card ending in XXXX for {$820.00}. Your claim was denied for the following reason ( s ) : Our information contradicts your claim of unauthorized activity. We determined you authorized and/or participated in the activity. This means youre responsible for the transactions in question. The transactions that I disputed were XXXX XXXX XXXX {$120.00} XXXX {$230.00} XXXX {$33.00} XXXX {$75.00} XXXX XXXX {$80.00} XXXX XXXX XXXX {$90.00} XXXX XXXX {$130.00} XXXX XXXX {$50.00} None of these transactions listed were completed by me. I just got out the hospital so I have not been traveling or making purchases like that. I requested for the documentation that was use to reach this determination but they have yet to respond to me. I even contacted them by phone to try to reach some type of resolution and still nothing. I also have requested for a second review but still havent heard anything back. 

The company told me that I could request the documents that were used in denying of my claim if any. I am still waiting for those documents. The letter they attached to this complaint, I never received in the mail and this is the first time Im seeing this letter. I literally had to call in regarding my claim to get an update and they are still not protecting me as a consumer utilizing their company as my bank against fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
It breaks my heart to see that the inaccurate accounts are still showing up on my credit reports and nothing has been done to remove them. I am asking with all sincerity that the documents I have attached be looked at with care so I can finally feel secure and not carry this burden any longer.

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 2025-10-17 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: HW Holding, Inc
State: NJ

Complaint narrative:
This is not my account. I do not reside in California and have not been for the last 10 years. Please delete this account as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CashRepublic Holdings, Inc.
State: TN

Complaint narrative:
Account OMNI FINANCIAL # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am updating my original complaint filed XX/XX/year>2025. XX/XX/XXXX behavior throughout this process clearly violates Regulation XXXX ( XXXX XXXX XXXX ) and proves that they only take action when the CFPB gets involvednot when customers report fraud directly. 

The only reasonXX/XX/XXXX has done anything at all is because the XXXX transactions I listed in my CFPB complaint forced them to respond. Before this complaint, I was stonewalled, ignored, and looped through automated bots for days with no live support and no access to dispute tools. I repeatedly asked for help, yet they refused to cancel my card or investigate my claims until todayXXXX XXXX, over a week later. 

This delay is unacceptable and directly violates Regulation XXXX XXXX ( b ) ( XXXX ), which requires prompt action after notice of unauthorized use. XXXX sudden response only after the CFPBs involvement is proof that their internal fraud process is ineffective, negligent, and non-compliant. 

XX/XX/XXXX is also in violation of Regulation XXXX XXXX ( b ) and XXXX ( c ) ( XXXX ) for failing to provide provisional credit within XXXX business days of my initial report and for refusing to investigate all potentially fraudulent transactionsnot just the XXXX mentioned here. There are more unauthorized transactions that Venmo has ignored because they blocked my ability to dispute them inside the app. 

They are now trying to restart the clock after canceling my card, pretending this is a new issue, but the clock legally began when I first reported the fraud. This is an attempt to dodge Regulation XXXX deadlines and mislead both me and regulators. 

XXXX actions show a pattern of reactive compliancethey only act once the CFPB is involved. Their lack of transparency, refusal to honor dispute rights, and delayed response demonstrate systemic bad faith and disregard for consumer protections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 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: NV

Complaint narrative:
I'm feeling overwhelmed and deeply concerned. These accounts and inquiries showing up on my credit report are not mine. I've been a victim of identity theft, and this situation is completely out of my control. It's not just numbers on a reportit 's affecting my daily life, my peace of mind, and creating stress within my personal and family life. I never authorized any of this activity, and I'm genuinely struggling with the emotional and practical impact of this fraud. I urgently ask that all these fraudulent items be BLOCKED AND REMOVED from my credit file, including the following accounts : XXXX  XXXX XXXX ( Credit card - XX/XX/XXXX ), XXXX XXXX  # XXXX ( Credit card - XX/XX/XXXX ), XXXX  XXXX # XXXX ( Credit card - XX/XX/XXXX ), XXXX XXXX # XXXX ( Lease - XX/XX/XXXX ), XXXX XXXX  # XXXX ( Credit card - XX/XX/XXXX ), XXXX XXXX # XXXX ( Lease - XX/XX/XXXX ), XXXX XXXX  ( Credit card - XX/XX/XXXX ), XXXX ( XXXX - XXXX XXXX ), and XXXX  XXXX # XXXX ( Credit card - XX/XX/XXXX ) ; and the following inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX, XXXX, and XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX and XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX and XX/XX/XXXX ), XXXX OF XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX I never requested these and I need them gone permanently. Please help me correct my file so I can start healing and move forward.

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 2025-10-17 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'm feeling overwhelmed and deeply concerned. These accounts and inquiries showing up on my credit report are not mine. I've been a victim of identity theft, and this situation is completely out of my control. It's not just numbers on a reportit 's affecting my daily life, my peace of mind, and creating stress within my personal and family life. I never authorized any of this activity, and I'm genuinely struggling with the emotional and practical impact of this fraud. I urgently ask that all these fraudulent items be BLOCKED AND REMOVED from my credit file, including the following accounts : XXXX  XXXX XXXX ( Credit card - XX/XX/XXXX ), XXXX XXXX  # XXXX ( Credit card - XX/XX/XXXX ), XXXX  XXXX # XXXX ( Credit card - XX/XX/XXXX ), XXXX XXXX # XXXX ( Lease - XX/XX/XXXX ), XXXX XXXX  # XXXX ( Credit card - XX/XX/XXXX ), XXXX XXXX # XXXX ( Lease - XX/XX/XXXX ), XXXX XXXX  ( Credit card - XX/XX/XXXX ), XXXX ( XXXX - XXXX XXXX ), and XXXX  XXXX # XXXX ( Credit card - XX/XX/XXXX ) ; and the following inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX, XXXX, and XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX and XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX and XX/XX/XXXX ), XXXX OF XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX I never requested these and I need them gone permanently. Please help me correct my file so I can start healing and move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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 noticed that there are still inaccurate accounts showing up on my credit reports and they have not been taken off. This has caused me a lot of XXXX, and I am begging that the documents I have attached be reviewed carefully so I can finally stop worrying about this problem once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXXs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reportedXXXX 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 2025-10-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX I purchased a XXXX $ XXXX card gift card from a local XXXX and at XXXX I tried to use the card on a website entitled XXXX this transaction was flagged as fraudulent and they froze my card. I reached out to them through there customer service line and they said there was no way to unfreeze the card and I needed to order a new one. They proceeded to request a picture of my driver license, my license, and a recent utility bill from that address with my name on it. I refused as I believe this is abnormal for a XXXX $ card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of america is saying I tried to cash a fraudulent check which wasn't the case at all. I can't open any bank account anywhere else be because I'm on a radar so to speak.

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 2025-10-17 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: GA

Complaint narrative:
I am disputing inaccurate reporting by XXXX XXXX XXXX / XXXX XXXX XXXX which Equifax continues to list as an open collection account with a {$1200.00} balance ( Account ending in XXXX ). 

I previously mailed certified dispute letters with proof of identity and supporting documentation. Equifax verified the account as accurate without providing any documentation, method of verification, or proof that XXXX XXXX validated the debt. 

This account is reported as an open XXXX XXXX XXXX account, which is misleading and inaccurate. I never entered any agreement with XXXX XXXX, and the original XXXX XXXX XXXX account was closed. The alleged balance was never validated by XXXX XXXX XXXX or XXXX XXXX, violating 15 U.S.C. 1692g ( b ) of the FDCPA.

Equifax failed to conduct a reasonable reinvestigation within 30 days as required under 15 U.S.C. 1681i ( a ) of the FCRA and continues to report this collection with false and incomplete information, despite an active consumer dispute.

I am requesting CFPB oversight and immediate correction or deletion of this tradeline due to lack of verification and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NV

Complaint narrative:
These accounts are not my accounts I have called, written, and begged for these credit reporting agencies to just do a basic investigation and they would see that its not my stuff, they are refusing I hope that the CFPB can step in to help me.

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 2025-10-17 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: NV

Complaint narrative:
These accounts are not my accounts I have called, written, and begged for these credit reporting agencies to just do a basic investigation and they would see that its not my stuff, they are refusing I hope that the CFPB can step in to help me.

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 2025-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I sent Carrington my promissory note to pay my loan in full, but they did NOT honor my promissory note, and they did NOT return the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 have noticed that inaccurate accounts are still appearing on my credit reports and none of those accounts have been taken out. This situation has caused me so much XXXX, and I am pleading that the documents I attached be carefully reviewed so I can finally stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hatfield, Inc.
State: IL

Complaint narrative:
GRID site says due to banking issues with there partner don't add money. It has been like this since XX/XX/year>2024. I can't use it and it seems like something illegal is happening. It's also asking me to sign off on a higher credit limit, but can't pay them at all. I need this removed off my credit, we are in XXXX and I can't contact them and they have all my personal information. I reached out to CFPB ( original number XXXX ) and the company stated that I could still pay the amount due. I checked my email and noticed they were taking out the monthly {$10.00} fee but was not taking out the amount to repay what I borrowed. It also shows on my credit that there is a charge for {$200.00} and then a {$0.00} amount showing forebearance. It took for me to reach out in XXXX of 2024 in order to know any of these things were happening.

Company response to consumer: Closed with explanation