vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I filed XXXX debit card merchant dispute claims for transactions of {$1700.00} and {$1700.00} with XXXX. As per Regulation E ( 12 CFR 1005 ), XXXX XXXX is required to provide provisional credit if an investigation can not be completed within XXXX business days. Despite this clear requirement, XXXX XXXX has refused to issue provisional credit. 

Instead of complying with Regulation E, XXXX XXXX has escalated matters by completely blocking my access to all of my accounts and funds. On XX/XX/year>, while I am traveling abroad ( with a travel notification already placed on file ), XXXX XXXX suddenly restricted my access to my savings account, checking account, and all debit/credit cards. I can no longer access any of my funds. 

When I called multiple times, XXXX XXXX representatives told me that : I must submit a " Written Request for Account Action '' and wait at least XXXX  days without access to my money. 

XXXX agent suggested that all my accounts could be closed, and I might not regain access to my funds for up to XXXX  days. 

This is extremely concerning for several reasons : Blocking all my accounts appears to be retaliation for filing disputes and a CFPB complaint. 

I am left abroad without any access to my own funds, which creates immediate financial harm. 

XXXX XXXX is failing to comply with Regulation Es requirement to provide provisional credit. 

I urgently request CFPBs assistance in ensuring XXXX XXXX : - Immediately restores my access to my accounts and funds. 
- Provides the required provisional credit for the disputed transactions. 
- Stops any retaliatory practices against me for exercising my rights under federal law. 

This situation has placed me under severe hardship, and I respectfully ask the CFPB to escalate this matter with urgency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
They kee on rejected my letter and online dispute .. ignore my dispute

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 2025-08-29 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:
They kee on rejected my letter and online dispute .. ignore my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I attended XXXX XXXX in XXXX XXXX, FL, where I was awarded a Federal XXXX XXXX. However, during my tenure at the school, I did not receive the full XXXX XXXX amount that I was eligible for. Instead of applying my XXXX XXXX to cover tuition and other qualified educational expenses, the school charged my account with federal student loans. As a result, my XXXX XXXX usage percentage was never fully met, even though I should have been receiving those funds, and I was left with substantial federal loan debt for expenses that should have been covered by my grant. 

XXXX XXXX has since closed and no longer has any remaining campuses, which has left me without a direct point of contact to resolve this matter. I am respectfully requesting that my financial aid records be reviewed and corrected, and that the remaining XXXX XXXX funds I was entitled to be distributed to me, with any excess federal student loan debt adjusted accordingly. *

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
The action was taken by me. Multiple cards in XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift 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 explanation
Consumer complaint received 2025-08-29 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Unknown : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I recently pulled a copy of my credit report and noticed some unauthorized accounts on my credit report. This is hindering my ability to obtain credit. Please remove these items asap XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I recently pulled a copy of my credit report and noticed some unauthorized accounts on my credit report. This is hindering my ability to obtain credit. Please remove these items asap 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Issue : Unauthorized Credit Inquiry Without Consent Company : Citibank Date of Incident : XXXX XX/XX/2025 Product : Mortgage Inquiry / Credit Reporting Credit Reporting Agencies Affected : XXXX, XXXX, XXXX  Complaint Description : Citibank performed a hard credit inquiry on my credit profile without our consent. 

Despite multiple formal complaints and follow-ups, Citibank has repeatedly failed to provide any proof of authorizationwritten, verbal, or digitalfor this credit check. Specifically, in response to my prior CFPB complaints # XXXX and # XXXX, Citibank once again asserted that consent was given, yet did not provide any supporting documentation or evidence. 

In Citis most recent response, they stated that the inquiry was changed to non-display with XXXX, XXXX, and XXXX. This action effectively acknowledges a mistake and is an attempt to minimize the damage caused by the unauthorized inquiry. 

However : XXXX  has not updated the inquiry, and it continues to be reported as a hard inquiry visible to third-party lenders and background checks.

Citis continued claim that the inquiry was legitimate directly contradicts their behind-the-scenes attempt to conceal or downgrade its impact. This inconsistency reveals a lack of transparency and a half-hearted resolution effort.

The original credit inquiry was unauthorized. Citi 's failure to provide evidence even after two prior CFPB interventions is deeply concerning and suggests ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ). Further, making claims without proofespecially in correspondence with a federal regulatory bodyraises the possibility of false statements made under penalty of perjury.

Resolution Requested : I request the following actions be taken to fully resolve this matter : 1. Immediate removal of the unauthorized hard inquiry from all three credit reporting agenciesnot merely converting it to a soft or non-display status. 

2. Formal confirmation from Citibank that no consent exists for this inquiry, or a complete copy of such authorization if they continue to claim it was legitimate.

3. Assurance that this inquiry has not and will not affect my credit score or third-party credit evaluations.

4. Compensation of {$50000.00} for : a. Time spent researching legal remedies and FCRA regulations, b. Consulting with legal and credit experts, c. Missed opportunities to secure better financing due to score impact, d. Lost work hours devoted to documentation, correspondence, and case follow-up.

This matter reflects a serious and repeated failure on the part of Citibank to both respect consumer rights and act with transparency and integrity. I urge the CFPB to take further action to hold Citi accountable.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX LVNV Funding LLC / Resurgent Capital Services, L.P. 
XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Account # XXXX Original Creditor : XXXX XXXX Bank, XXXX. 
Current Owner : LVNV Funding LLC To Whom It May Concern, I am in receipt of your response dated XX/XX/XXXX regarding the above-referenced account. Your correspondence fails to meet the validation requirements under 15 U.S.C. XXXXg ( FDCPA ) and reporting obligations under the Fair Credit Reporting Act ( FCRA ). 
Please note, a generic billing statement or boilerplate terms & conditions does not constitute full validation of debt ownership or enforceability. Therefore, I demand the following documents : Proof of Ownership & Assignment The complete chain of title from XXXX XXXX Bank, XXXX. to LVNV Funding LLC, including any bill of sale, assignment, or transfer agreement showing that my specific account was legally sold and that LVNV is the rightful owner. 
Original Contract / Application A signed contract or application that contains my signature and establishes liability for this alleged account. 
Complete Accounting An itemized statement showing how the alleged balance of {$960.00} was calculated, including principal, interest, late fees, and any other charges. 
Servicing Agreements Since you admit that third-party servicers have handled this account, provide copies of all servicing agreements and the chain of custody showing how my private data was transferred and protected. 
Unless and until you provide the above documentation, you must cease all collection activity and remove this account from credit reporting as required under FDCPA XXXX ( b ) and FCRA XXXX ( b ). 
Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General, as well as potential civil action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, Re : Account # XXXX Formal Dispute of Student Loan Balance I am formally disputing the above-referenced account under my rights as a consumer. 
Specifically, I am invoking my rights under the XXXX XXXX ( 15 U.S.C. 
XXXX ), as well as the Fair Credit Reporting Act ( FCRA ) and other applicable federal protections. Your records currently state : - Current Balance : {$53000.00} - Unpaid Accrued Interest ( as of XX/XX/2025 ) : {$4700.00} I dispute the accuracy, validity, and enforceability of this alleged debt. Pursuant to the XXXX XXXX, you are required to protect and accurately disclose nonpublic personal information, including any financial details attributed to me. I hereby request full documentation and validation of this loan account, including but not limited to : XXXX. The original signed promissory note proving I lawfully owe this debt. 
XXXX. A complete accounting of how the principal and interest were calculated, including all payment applications. 
XXXX. Documentation of the chain of assignment or ownership, showing the legal right of your company to collect and enforce this alleged debt. 
XXXX. Evidence that all collection, servicing, and reporting practices are in compliance with the XXXX XXXX, including consumer privacy protections. 
XXXX. Proof that my private financial data has not been disclosed or misused in violation of federal law. 
Until such documentation is provided, you must cease all collection activity and correct or remove any negative reporting to credit bureaus associated with this account. Failure to provide proper validation may constitute a violation of federal law, including GLBA, FCRA, and FDCPA, and I reserve the right to pursue all remedies available to me. Please consider this a formal dispute of the reported balance, interest, and validity of this loan account. I expect a response within XXXX days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is XXXX of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-29 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: CA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is XXXX of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-29 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: WA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I applied for a home equity loan with PENNYMAC back in XXXXXXXX XXXX XXXX  and they used an independent third party XXXX and completed the appraisal on XXXX XXXX with an appraised value do XXXX and paid {$250.00} for that appraisal. The home equity loan did not go through and that is completely fine. I went to get my PMI deleted since my loan balance is under the XXXX XXXX or XXXX XXXX  as the balance is XXXX. Take the XXXX appraised value and that comes out to XXXX XXXX  PENNYMAC PMI deletion department wants me to pay another {$150.00} and get another appraisal done because their department will not accept the appraisal done by PENNYMAC already with that independent appraisal on XX/XX/year>, they are keeping my almost {$900.00} dollars in PMI because Im stating I shouldnt have to pay for another appraisal when XXXX was already done by PENNYMAC. Spoke with a supervisor and they tell me the same scripted that they have to read. I feel PENNYMAC is just out to get money and not really help their consumer. I just want them to use the appraisal I already paid for or waived the {$150.00} if they are adamant about getting a second appraisal done. Though far, they have stated they wont use my appraisal and I must pay {$150.00} or they wont cancel me pmi resulting in my paying the {$900.00} still owed with the PMI insurance that is not needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Re : Cease and Desist Communication To Whom It May Concern : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that XXXX XXXX XXXX XXXX XXXX, and any of its agents or affiliates, immediately cease all communication with me regarding any alleged debt. 

This demand covers phone calls, text messages, emails, and postal mail except as allowed by law. 

This letter does not acknowledge or admit to owing any debt. I formally dispute the validity of any claim. Failure to honor this request will result in complaints filed with the CFPB, FTC, and Virginia Attorney General, and I will consider pursuing legal remedies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. LVNV FUNDING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-08-29 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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