vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of a fraud dispute involving a debit card transaction in the amount of {$590.00}. 

On or about XX/XX/year>, I attempted to purchase a product from a merchant operating under the name TXXXX XXXX XXXX XXXX. After submitting payment, I never received the product, never received valid tracking information, and received no meaningful response from the merchant despite multiple attempts to contact them. 

After further investigation, I discovered substantial evidence indicating that XXXX is a scam operation. Numerous consumer reviews and online reports state that orders are never delivered, customer service is non-responsive, and the company lacks legitimate business information such as a verifiable physical address. Several reviewers explicitly identify the merchant as fraudulent. 

I promptly notified Navy Federal Credit Union and filed a fraud dispute. I provided all information available to me, including the fact that no goods were received and that the merchant is widely reported as a scam. Despite this, Navy Federal has failed to properly resolve the dispute and has not credited my account for the unauthorized transaction.

As a direct result, my account has gone into the negative, causing financial hardship. I have acted in good faith throughout this process, while Navy Federal has failed to protect me from a fraudulent merchant or provide timely provisional credit during the investigation.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: TX

Complaint narrative:
I am disputing the collection account with EDFINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that EDFINANCIAL SERVICES L provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$7800.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$400.00}

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 2025-12-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Earlier this year I underwent XXXX on my hand. I am a XXXX XXXX XXXX woman with XXXX. This required significant XXXX  and medication, which meant I lacked the ability to perform tasks such as bathing, dressing, and even feeding myself. With no one else to rely on during that time as my XXXX XXXX XXXX husband is also dealing with physical limitations, I reached out to my daughter for help. My daughter has a history of mental and health issues of her own, but as I had no one else to rely on, I asked her for assistance with daily care. It wasn't until several weeks later that I discovered that she had repeatedly taken my phone without my permission and sent large amounts of money from my account to her account via XXXX, despite the fact that I had set my Chase app to send my notifications of transactions over {$100.00} on my account. After I realized what she had been doing I promptly called the police, who XXXX  her. Enclosed is the police report detailing the incident, as well as the restraining order I've filed against her to make sure this doesn't happen again. 

Despite this, my claim was denied, with Chase saying it was an authorized transaction. They sent me a letter telling me to contact them for information about the denial ; I requested the information and it was never sent. I disputed the denial, but this too was closed without ever giving me proper notice until I called them back months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this complaint regarding U.S. Bank Mortgages handling, underwriting, and denial of my mortgage loan application submitted on or about [ application date ]. 

At all relevant times, U.S. Bank, through its XXXX XXXX division, held a brokerage account in my name containing approximately {$400000.00}. This asset was held internally by U.S. Bank and was material to underwriting. We were expressly told by the bank that we could borrow against this asset up to its value for purposes of qualifying for the mortgage. 

Despite this representation, U.S. Bank Mortgage denied our request to borrow {$350000.00} against the internally held asset and subsequently denied our mortgage application. After denying the application, U.S. Bank deleted the loan portal uploads and later claimed that it had no knowledge of the asset, even though the asset was held by U.S. Bank XXXX XXXX itself. 

The stated reason for denial further claimed that there was insufficient information regarding our business profit and loss statements. This rationale is inconsistent with the banks prior representations that the internally held asset could be leveraged to support the loan and raises concerns about underwriting consistency and institutional knowledge. 

The deletion of portal uploads following denial, combined with the claim that U.S. Bank lacked knowledge of an internally held asset, raises serious concerns regarding record retention, inter-departmental communication, underwriting practices, and regulatory compliance. 

U.S. Bank Mortgage : Failed to properly consider and verify an asset held internally by U.S. Bank XXXX XXXX Made representations that the asset could be borrowed against, then reversed course without adequate explanation Deleted loan portal uploads and supporting documentation after loan denial Claimed lack of knowledge of an asset that was held by its own institution Failed to maintain or preserve underwriting and application records relevant to the loan decision These actions suggest improper record retention, deficient underwriting controls, and potentially misleading representations during the loan process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXXXX/XX/year> - {$40000.00} INQUIRIES : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
The company determined that they were going to add escrows to the mortgage payment, although the LTV was under 50 %, and the original paperwork did not require escrows. We paid that through the year, when the servicing company changed. They returned approximately XXXX out of the escrow account, and they had withheld too much. and had to return the funds by law. They retained funds in the escrow. Then, when the payment for the HO insurance came due, they did not pay it. I was notified that they hadn't paid it, and it was cancelled. The insurance company would not reinstate the insurance. The mortgage company stated that they would seek out a policy that would cost significantly more. In fact, I had to find a policy on my own that is three times the cost of the original policy. I am asking how it is legal to require escrow on a mortgage that is paid up, and has n LTV of less than 50 %. and how the servicing company can arbitrarily decide to stop paying the HO insurance that was part of the escrow?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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
Consumer complaint received 2025-12-25 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: VA

Complaint narrative:
The items that such as the letter, along with my identifying items, proof of address as well as the police report I sent via certified mail to transunion. this is a Dispute and Request for Immediate Removal of Fraudulent Accounts -Identity Theft Transunion, I am writing to formally dispute and request the immediate removal and blocking of fraudulent accounts appearing on my credit report. These accounts are the result of identity theft, as documented in the enclosed police report.

Please find attached:1.A copy of the police report filed regarding the identity theft.

2.A copy of my government-issued ID and proof of address 3.A list of the fraudulent accounts to be removed.

List of Fraudulent Accounts : Absolute Resolutions Investments Acct and XXXX XXXX XXXX Acct # XXXX, Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting that the following fraudulent accounts be blocked from my credit report within four ( 4 ) business days of your receipt of this request. These accounts were opened and/or used without my knowledge or authorization. Under federal law, you are required to block this information from my credit file once you have received : A copy of an identity theft report ( included ), Proof of my identity ( included ), and My written request to block the disputed items ( this letter ). 
Additionally, I request confirmation in writing that the fraudulent items have been removed and that no further negative actions will be taken based on them. Please also ensure that these items are not reinserted into my credit report in the future. 
Thank you for your attention to this issue.

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