vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I disputed multiple RealPrize.com debit card charges with Navy Federal after the merchant revoked my account access while I still had a paid balance and failed to deliver the services tied to those purchases. Navy Federal initially issued a provisional credit, then reversed it and denied my claim. I later learned their written denial states the decision was based only on internal records, but multiple NFCU representatives told me that the merchant had responded and claimed services were provided. Navy Federal has refused to provide the merchants alleged response, chargeback documentation, or evidence used, despite my explicit requests. I also provided screenshots showing unused purchased credits, yet this evidence was not addressed. Their explanations contradict each other and suggest the claim may not have been submitted under the correct XXXX dispute category or may not have been submitted at all. I simply want Navy Federal to properly investigate my dispute in accordance with XXXX  rules, CFPB standards, and NCUA requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am filing this complaint because multiple items appearing on my credit reports are inaccurate, incomplete, or being reported in a misleading manner. I am requesting that the Consumer Financial Protection Bureau assist in having the credit reporting agencies conduct a proper reinvestigation under the FCRA and correct or remove the information that can not be fully verified. 
1. Charged-Off Accounts I dispute the following accounts due to inaccurate reporting, ownership concerns, and inconsistent dates/balances : Dept. of ED / XXXX  Acct : XXXXXXXX XXXX XXXX  XX/XX/XXXX Balance : {$890.00} XXXX XXXX Dept. of ED / XXXX Acct : XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  ( These appear to be duplicate or inconsistent entries and should be investigated. ) XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$2300.00} XXXX XXXX I request a full reinvestigation, including original creditor documentation and proof of accuracy. Any unverifiable or duplicated information must be removed. 

2. Inquiries I dispute any inquiry on my TransUnion report that lacks my written authorization. Please validate each hard inquiry, and remove any that can not be fully verified.

3. Late Payments I dispute the accuracy of the following late-payment reporting : XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  These entries appear incorrectly reported. I request validation of each alleged late payment and removal of any unverifiable information.

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 2025-11-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> I was charged for XXXX transactions I did not make at a store called XXXX # XXXX XXXX XXXX TX XX/XX/year> {$38.00} XXXX  # XXXX XXXX XXXX TX XX/XX/year> {$100.00} XXXX  # XXXX XXXX XXXX TX XX/XX/year> {$110.00} I reported those transactions immediately to my Citibank Credit card company as I did not make those transactions. At first they reported as a store dispute and started an investigation a few weeks later they mailed me their investigation and informed me that nothing seem out of place and I was the one that made the purchase and I would be responsible for the charges. I called once again but this time reported to their security operations and once again made a report and told them this had been fraud under my card and I didnt feel they were investigating correctly and wanted to reopen the dispute and investigation. 

On XX/XX/XXXX I got an email indicating they closed the case as I did not respond to any of their request, which is a total LIE as I never got any kinds of calls, emails, mail requests asking for additional info. They informed me they can not longer assist me with this matter. I have also filed a local police report within the XXXX XXXX XXXX. 

On XX/XX/XXXX I called again to reopen the case and told me not to worry about any payments as they will reopen and investigate the transactions once again. 

It has been very frustrating as I dont feel CitiBank is doing their investigation thoroughly and as I informed them I didnt make this purchases and someone committed fraud with my personal information. As of today they purchases are still showing as active and no sign of investigation on their app. Not sure what to do now, please advise.

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 monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$560.00} Inquiries : None Late Payments : XXXX XXXXXXXX Account Number : XXXX I request that the information above be corrected and that an accurate report be provided to me within the time frame set forth by the FCRA. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I received a call from Revco XXXX, a third-party debt collector working on behalf of XXXX, regarding the remaining balance of my auto loan.

During this call, the Revco agent made a verbal settlement agreement on a recorded line, stating that if I paid the remaining balance of {$1500.00} in full : All derogatory information including the charge-off, delinquencies, and negative reporting would be deleted from all three credit bureaus.

The Revco agent clearly stated this agreement on the recorded call.

I paid the full {$1500.00} exactly as requested. 

XXXX accepted the payment, but neither XXXX nor Revco honored the agreement.

The negative marks are still appearing on my credit reports.

This is a violation of : FCRA ( furnishing inaccurate or misleading information ) FDCPA ( false or misleading representations by a collector ) Breach of a verbal settlement agreement I have repeatedly requested the recording from Revco, but they have refused to provide it.

This recording is essential, as it contains the pay-for-delete promise made by their agent while acting as XXXX  representative.

I am requesting : 1. Production of the XX/XX/year> call recording 2. Deletion of all derogatory reporting, as agreed 3. A full investigation into Revco and XXXX handling of this account 4. Correction of all credit reporting violations This matter has caused ongoing financial harm, denial of credit, and emotional stress as the derogatory marks remain despite me fulfilling my part of the agreement. 

I am requesting the CFPB to intervene and require XXXX and Revco Solutions to honor the agreement and provide the recorded call. 

Consumer : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a notice from JPMCB Card claiming that I owe a debt under account number [ Insert Account Number ]. However, the notice I received was vague and did not include enough information to verify the accuracy or legitimacy of the debt. Specifically, the notice failed to provide :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
The following accounts are disputed with Experian. These disputes center on issues of reporting accuracy, such as balances, open dates, and payment histories that do not reflect the current status of the accounts. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : 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 2025-11-14 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: NJ

Complaint narrative:
I am writing to request the removal of fraudulent accounts from my credit report. I am a victim of a data breach and identity theft. Kindly block and delete these accounts within 4 business days as required by the FCRA 605B USC 1681c2.

The following accounts are being disputed as inaccurate and/or unauthorized : XXXX XXXX  XXXX This account is fraudulent and unauthorized. My identifying information was used without consent. Remove immediately pursuant to 15 U.S.C. 1681a ( 3 ) and 605B. 
XXXX XXXX This account is fraudulent and unauthorized. My personal identifying information was used without my consent. Remove immediately under the same federal provisions cited above.

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 2025-11-14 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute regarding the following items on my Equifax credit report. The details of each item are listed below. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am not responsible for these accounts ; deletion must occur within 15 days in accordance with USC 1681g.

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 2025-11-14 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-14 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with 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 2025-11-14 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: OK

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This past XXXX, our phones were hacked and we had {$5000.00} taken from our checking account at Wells Fargo Bank. They have continued to try and make it as difficult as possible for us to be reimbursed.I have filed complaints with the FCC, Attornney Generals office, police, etc, but they seem to think that because it was authorized ( 2 tier, but code was not sent to us but the hacker who had control of our phones that they shoud not be held responsible.for the loss of our {$5000.00}. I need your help please!!! 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 monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Nationwide Capital Services, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, I received a call from the collection agency stating that I had a payment due for {$170.00} and a remaining balance of {$320.00}. I informed the representative that I had lost my job on XX/XX/XXXX, that I would be starting a new job on XX/XX/XXXX, and that I would not be able to resume payments until XX/XX/XXXX. The representative said collection attempts would continue. I told them I understood and that I would try to pay sooner if possible. 

On XX/XX/XXXX, I received a voicemail stating that I had missed a payment on XX/XX/XXXX, even though I had already discussed my situation with them on that date. I called back the same day and explained again that I could not make payments until after I started my new job. 

During this call, the representative told me the account would go to legal if the balance was not resolved. When I asked for the time frame before legal action would occur, they said they didnt have one and that their attorney could pick up the account whenever they want. I then asked whether the collection agency had control over when the account is sent to their third-party legal department. They said they did.

When I requested the attorneys office contact information, the manager became rude and unwilling to provide it. I had to ask multiple times before she finally gave it to me. She then raised her voice and threatened to submit a refusal to pay on my account and claimed this would void the {$1600.00} I have already paid.

Additionally : They did not verify my identity during any call.

They stated the last four digits of my SSN without asking me to confirm it.

They did not disclose that the communication was an attempt to collect a debt, which is required.

I am filing this complaint because I believe their conductthreatening legal action without time frames, refusing to provide information, raising their voice, failing to give required disclosures, and not properly verifying my identitymay violate the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting that the CFPB review this situation and require the agency to correct its behavior and provide proper written communication regarding my account and payment options.

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