vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: CO

Complaint narrative:
I am filing a complaint against Velocity Investments , LLC and its attorneys, XXXX XXXX XXXX, XXXX, for violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. 

On XX/XX/year>, I was served with a lawsuit in XXXX XXXX XXXX filed by Velocity Investments ( Case No. XXXX XXXX ) alleging I owe a debt originally from a XXXX XXXX XXXX loan serviced via XXXX. The amount they are seeking is {$3700.00}. 

This lawsuit contains multiple FCRA concerns : - Failure to validate the debt : I was not sent a proper validation notice before the lawsuit, and I never received documentation confirming that Velocity owns the debt or has legal standing to collect or sue. 
- Inaccurate reporting : Velocity may be reporting this debt to credit bureaus, yet no verification or validation of the debt has occurred, which violates FCRA Sections 611 and 623.

- Re-aging of debt : Based on the attached account history and payment records in Exhibit 1 of the lawsuit, there are inconsistencies suggesting that the debt may have been improperly re-aged to appear newer than it is.

- Lack of proper chain of title : The documentation ( Exhibit 2 ) provided is vague, lacking credible or notarized proof of the
legal assignment of the debt from the original creditor to Velocity Investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Each time i have sent out a letter requesting them to validate my debt, they respond by sending me a collection letter. None of them can verify the debt but are still making attempts to collect on them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I filed a {$2200.00} dispute with Navy Federal Credit Union for a charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) related to a family trip from XX/XX/XXXX to XX/XX/year>2025. The hotel failed to provide key services I paid for, including not only providing me a way lesser room than what I paid for : No 24-hour front desk access ( locked doors at night with no staff available ) No luggage assistance or bell service upon arrival Denied check-in until after XXXX XXXX  despite being told XXXX XXXX  was guaranteed XXXX  not stocked or refilled Room was missing basic essentials : no working toilet and no functioning telephone I contacted XXXX multiple times via email and received no response. I then submitted a formal dispute with Navy Federal, providing documentation of the issues. Navy Federal denied the claim, stating I accepted the charge at the time of booking and could not prove a merchant error without a credit acknowledgment from XXXX. 

I believe this is unfair, as I paid for services that were not delivered at all. XXXX has been unresponsive despite repeated attempts, and Navy Federal has not taken further steps to support my claim despite me not only sending time stamped photos, receipts of work order complaints, reservation confirmations & payment receipts for what I paid for, the rule book hotel standards of XXXX GUARANTEE of what I will receive when booking with, their failure to comply with their own set standards, as well as photos of the actual room we booked versus the smaller, lesser room they placed us in after several hours of run around. I am requesting assistance to resolve this matter and obtain a refund or partial credit for services not rendered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
To resolve this issue appropriately and in compliance with federal law, I am demanding the following actions be taken : Reinvestigate the disputed late payment on the XXXX XXXX account ( Account Number : XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ). 

Obtain written proof from XXXX that : I was properly notified of the payment due date. 

I received notice before the late mark was reported. 

The creditor complied with 15 U.S.C. 1666B, which requires that payments not be considered late if made within 21 days after the statement date. 

If XXXX can not provide this documentation, you are required under FCRA 1681i ( a ) to permanently delete the late payment entry from my Experian credit report. 

Provide written confirmation of your findings and actions taken, along with an updated and corrected copy of my credit file, within 15 business days of receiving this notice. 

If you fail to comply with this request, I will proceed with : Filing additional complaints with the FTC and State Attorney General.

Initiating legal action under FCRA 616, seeking statutory damages of up to {$1000.00} per violation, plus actual damages and legal costs. 

I am not seeking special treatmentonly that my credit file reflect accurate and legally verified information, as required by federal 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
Resolution Requested : Immediate removal of any and all inaccurate, unverifiable, or misleading information from my credit report related to the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX account to reflect that the vehicle was declared a total loss and not repossessed, in accordance with the official documentation provided by XXXX XXXX. 
Written verification from each data furnisher showing : Proof of a valid Forward Flow Agreement The complete Chain of Assignment If such documentation can not be provided, the account ( XXXX ) must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 
In light of the recent XXXX data breach, I have reason to believe that some of the information reported on my credit profile may be the result of compromised data. As a consumer, I have the right under the FCRA ( 602 & 611 ) to dispute any information in my file that is inaccurate, incomplete, or unverifiable especially if that data was derived from a source whose integrity has been compromised. 
I request : A full revalidation of any information furnished to my credit report that may have been obtained or processed through XXXX, Documentation confirming the accuracy and integrity of any such data, and Immediate deletion of any information that can not be independently verified with original documentation. 
Updated copies of my credit reports from all three major credit bureaus XXXX XXXXXXXX XXXX XXXX XXXX  ) reflecting any deletions or corrections made as a result of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint to formally dispute certain items listed on my credit report and request their immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ). This section of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report to any person or entity that does not have a permissible purpose as defined by the Act.

Upon reviewing my credit report, I have identified the following item ( s ) that appear to have been accessed or listed without my authorization or without a permissible purpose under the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a Victim of Identity theft and have Submitted Mutiple disputes to XXXX and Equifax and sent in FTC reports and Police reports as requested to have the accounts removed and the accounts are still on my credit reports. 

The Following accounts Are Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im writing this with tears in my eyes and a heavy heart.

For the last two years, Ive wanted to be a Chase customer. I watched others around me bank with Chase, and it always felt like a mark of stability something I didnt have, but desperately wanted. It wasnt just a bank account to me. It symbolized progress, security, and the chance to finally feel like I had a financial home. 

In XXXX, when I was finally approved, I was genuinely thrilled. I remember smiling. I remember feeling proud. It had taken a long time to get there with my credit, my situation, and everything Ive been through but I made it. I was excited. I thought, This is the start of something better. 

But it took months to actually get everything set up. And when I finally did, I felt this incredible sense of relief. Like I was finally stepping into something stable. Like I was finally being seen as trustworthy. 

Now that account is closed. Abruptly. No warning. No clear explanation. No chance to fix anything. Just gone. 

And Im sitting here crying. Literally crying. Because I was so proud to finally have that account. I was so excited. Ive worked so hard to rebuild my life through health issues, instability, and financial trauma and to have this happen, so coldly, with no clarity its heartbreaking. 

Please, Im not asking for special treatment. Im just asking to be treated like a human being. To be given a reason. To be given a voice. To be given even a shred of compassion.

This may be just a file to someone in a system, but this account meant something to me. I hope you can hear that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Filed an FTC AFFIDAVIT which indetailed explained word for word MONTH BY MONTH DATE BY DATE HOURS per minutes and phones calls on how and why my wallet was stolen and i was victim of fraud and in the midst of these these accounts were used fraudlentyl XXXX  XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i filed reports of fraud directly with the banks 2 years ago and they TOLD ME THEY WOULD INVESTIGATE BUT THEY DID NOT DO ANYTHIGN appretnyl their too busy to handle me i have been telling this to XXXX  equifax and XXXX this is OUTREGOUS telll me do i have the green light to commit XXXX? this is 28 months now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX, XXXX, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : ACCOUNT NAME XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXXXXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. ) Thank you. 
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 2025-07-30 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: SC

Complaint narrative:
The following accounts are not mine and fraudulent : Account Name : XXXX  XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX  Account number:XXXX Account Name : XXXX XXXX XXXX  Account number:XXXX Account Name : XXXX XXXX XXXX Account number:XXXX The following inquiries are unauthorized : 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 2025-07-30 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-30 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I disputed a transaction for {$100.00} that I didn't recognized on my robinhood XXXX XXXX on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX placed a restriction on my account, blocking me from withdrawing, depositing, or opening new positions. Then on XX/XX/XXXX, robinhood has made the decision to close my account, despite there being {$200.00} on the account that I can't withdraw or use. This is an illegal act on robinhood 's behalf to steal my {$200.00} deposit. I tried to contact their customer support via a chatroom, but robinhood has blocked my attempts to contact them. I've tried emailing them as well, and they have not responded. Please stop them from closing my account and stealing my {$200.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent accounts were opened without my knowledge or authorization : XXXX XXXX XXXX, XXXX. Opened on XXXX The following fraudulent hard inquiries were opened without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN. 
XXXX. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance 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