vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV

Complaint narrative:
On XX/XX/XXXX, I opened up a combination savings and checking account with XXXX XXXX XXXX, due to living within an eligible state for a bonus they had ( {$400.00} bonus for receiving a direct deposit into the new checking account, {$300.00} for depositing $ XXXX into a savings account with them ). After signing up for the accounts and depositing funds, it took me calling on XX/XX/XXXX to be able to sign up for their web portal ( as their system was extremely unintuitive ). And on XX/XX/XXXX, I received an email stating I was no longer eligible for the promotions, which is patently false and deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 am filing a dispute regarding multiple inaccurate or unverified accounts listed on my credit reports with Experian, Equifax, and TransUnion. Despite previous disputes and direct requests to the credit bureaus, these accounts remain without proper validation, correction, or removal. 

The accounts in question include : XXXX XXXX XXXX XXXX a potentially negative balance without original documentation. 

XXXX XXXX XXXX Showing late payment history, but no supporting proof of delinquency was provided. 

XXXX XXXX XXXX XXXX a collection account without full validation or proof of ownership of the debt. 

XXXX XXXX XXXX Listed on my report with unclear or incomplete account details and no supporting records. 

XXXX XXXX  A paid and closed account still shows a XXXX late payment from XX/XX/year>, which is not supported by any documented due date or billing history.

I submitted formal disputes to all three credit bureaus under my rights in FCRA 609, 1681b, and 1681s-2 ( b ), as well as FDCPA 809 for the collection item. I requested verification, original signed contracts, proof of permissible purpose, and debt validation where applicable.

No sufficient evidence has been provided. These accounts continue to report derogatory or inaccurate information, negatively impacting my credit profile. I am requesting CFPB intervention to ensure these accounts are either properly validated or permanently deleted in compliance with federal law. 

Supporting documentation, letters, and dispute details can be provided if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I am filing a dispute regarding multiple inaccurate or unverified accounts listed on my credit reports with Experian, Equifax, and TransUnion. Despite previous disputes and direct requests to the credit bureaus, these accounts remain without proper validation, correction, or removal. 

The accounts in question include : XXXX XXXX XXXX XXXX a potentially negative balance without original documentation. 

XXXX XXXX XXXX Showing late payment history, but no supporting proof of delinquency was provided. 

XXXX XXXX XXXX XXXX a collection account without full validation or proof of ownership of the debt. 

XXXX XXXX XXXX Listed on my report with unclear or incomplete account details and no supporting records. 

XXXX XXXX  A paid and closed account still shows a XXXX late payment from XX/XX/year>, which is not supported by any documented due date or billing history.

I submitted formal disputes to all three credit bureaus under my rights in FCRA 609, 1681b, and 1681s-2 ( b ), as well as FDCPA 809 for the collection item. I requested verification, original signed contracts, proof of permissible purpose, and debt validation where applicable.

No sufficient evidence has been provided. These accounts continue to report derogatory or inaccurate information, negatively impacting my credit profile. I am requesting CFPB intervention to ensure these accounts are either properly validated or permanently deleted in compliance with federal law. 

Supporting documentation, letters, and dispute details can be provided if needed.

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 2025-06-20 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-20 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 am filing a dispute regarding multiple inaccurate or unverified accounts listed on my credit reports with Experian, Equifax, and TransUnion. Despite previous disputes and direct requests to the credit bureaus, these accounts remain without proper validation, correction, or removal. 

The accounts in question include : XXXX XXXX XXXX XXXX a potentially negative balance without original documentation. 

XXXX XXXX XXXX Showing late payment history, but no supporting proof of delinquency was provided. 

XXXX XXXX XXXX XXXX a collection account without full validation or proof of ownership of the debt. 

XXXX XXXX XXXX Listed on my report with unclear or incomplete account details and no supporting records. 

XXXX XXXX  A paid and closed account still shows a XXXX late payment from XX/XX/year>, which is not supported by any documented due date or billing history.

I submitted formal disputes to all three credit bureaus under my rights in FCRA 609, 1681b, and 1681s-2 ( b ), as well as FDCPA 809 for the collection item. I requested verification, original signed contracts, proof of permissible purpose, and debt validation where applicable.

No sufficient evidence has been provided. These accounts continue to report derogatory or inaccurate information, negatively impacting my credit profile. I am requesting CFPB intervention to ensure these accounts are either properly validated or permanently deleted in compliance with federal law. 

Supporting documentation, letters, and dispute details can be provided if needed.

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 2025-06-20 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Four unauthorized charges were made to my checking account on earlier this year ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$230.00} ; XX/XX/XXXX- XXXX XXXX XXXX {$250.00}, XXXX XXXX {$260.00}, XXXX {$240.00} ). 

I submitted fraud claim on XX/XX/XXXX and the claim was denied on XX/XX/XXXX. I requested information on why the claim was denied, but Navy Federal Credit Union did not give any good reasoning. They simply said they did a thorough investigation and came to a conclusion that the charges were not fraud. 

I requested for a second review on XX/XX/XXXX. For the second review, Navy Federal Credit Union wanted me to answer questions regarding where my debit card was when these frauds happened, whether I had received any merchandise after these transactions, merchant information, etc. I answered these questions thoroughly ( except for merchant information question as nothing remarkable came up on XXXX while searching ). 

The fraud claim was denied again on XX/XX/XXXX after a second review. I requested information on why the claim was denied, but Navy Federal Credit Union did not give good reasoning again. They simply said " after carefully reviewing the information you provided, our original determination that no error occured still stands ''. 

On XX/XX/XXXX, I requested the fraud claim to be opened again for the third time. For a third review, they sent me the same questionnaires again ( as the second review ), and they wanted me to include new information. The thing is I have already given them everything I know on the second review and I have nothing more to add.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
SW CRDT SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research SW CRDT SYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
On XX/XX/year> a check was sent for an account overage due to account being paid off. The check was made out to me XXXX XXXX and XXXX XXXX my co-signer. I explained that I couldnt get the check cashed because the co-signer lived XXXX away from me and had to be present to cash or deposit. I was told that I couldnt be issued another check with just my name because the co-signer has equal rights to the funds. I made the down payment, I made the monthly payments, I made the insurance payments. The loan never defaulted for the co-signer to even be liable for anything. I was plain out told to seek legal assistance. Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX XXXX Account Number XXXX and the three major credit reporting agenciesXXXX Equifax, and XXXXdue to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX XXXX has erroneously placed this account on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, XXXX XXXX XXXX has refused to provide the following : Proper accounting records True validation of debt Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt collectors to verify debts upon request. Additionally, XXXX XXXX XXXX has engaged in harassment and deceptive practices, including : Issuing Mini Miranda warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, XXXX XXXX XXXX has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections 6802 & 6803, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. XXXX XXXX XXXX has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting XXXX XXXXXXXX XXXX improper reporting practices. I request immediate action from the CFPB to investigate XXXX XXXX XXXX XXXX unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$2200.00}

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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I am writing to file a formal complaint against Money Network for failing to protect my account and allowing unauthorized transactions to take place while I was incarcerated. 

I was incarcerated from XX/XX/year> to XX/XX/year>, during which time I had no physical access to my Money Network card and did not authorize anyone to use it on my behalf. Despite this, several unauthorized transactions were allowed on my account during this period. This raises serious concerns about the security protocols and monitoring systems in place at your company. 

I have already attempted to dispute the charges and report the unauthorized use, but I feel that my concerns have not been taken seriously or properly investigated. As a financial service provider, Money Network has a responsibility to safeguard customers accounts and investigate unauthorized activityespecially in cases where the cardholder can provide documented proof ( such as incarceration records ) that they could not have made or approved those transactions.

I am requesting the following : 1. A full investigation into the unauthorized transactions that occurred during my incarceration.

2. A refund or credit for the disputed charges.

3. Written confirmation that these charges have been removed and that appropriate action has been taken. 
XXXX. XXXX that measures have been put in place to prevent this from happening again. 

Please find enclosed supporting documents, including proof of my incarceration. 

If this issue is not resolved promptly, I will be forced to escalate my complaint to regulatory bodies such as the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal advice. 

I expect a prompt response and resolution to this serious matter. You XXXX contact me directly at XXXX or XXXX with any updates or if further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block informa
tion appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from 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 non-monetary relief