vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I attempting to make my credit card payment on my due date when I was told my account was closed due to non-payment. I requested that my credit card be reinstated but I was declined due to being unable to complete my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: IL

Complaint narrative:
This is a supplemental submission to complaint ID XXXX. I am attaching two exhibits : ( 1 ) a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, and ( 2 ) my XXXX  credit report dated XX/XX/year>. These documents show how the furnishers responded to my formal disputenot by honoring the payment arrangement or providing the requested documentation, but by updating an already existing tradeline with even more damaging and inaccurate information. The updated balance does not reflect the amount agreed upon in the contract, the payments made, or the correct remaining balance. Instead, it shows that I owe 100 % of the debt, as if no payments were ever made. This was done after I submitted disputes to XXXX, XXXX, XXXX, and XXXX. 

Exhibit XXXX clearly states that a negative report may be submitted if you fail to fulfill the terms of your credit obligations. I fulfilled those terms. The agreement was XXXX, and XXXX, acting on behalf of XXXXwas bound to honor it. Based on the exhibits and phone recordings, XXXX operated as an agent of XXXX. Therefore, XXXX must honor the terms XXXX communicated and executed. If they refuse, they are effectively admitting to a coordinated pattern of violations designed to inflate the balance and extract additional payments. 

I would also like to know what information XXXX, XXXX, and XXXX provided to the credit reporting agencies to justify this tradeline update. The balance shown is not the contractual amount, not the amount paid, and not the correct remaining balance. These acts demonstrate how furnishers manipulate documentation to appear accurate while concealing the actual terms of the agreement. Their response to my dispute was not a reinvestigation, it was a reset. These are not the documents I requested. Neither exhibit acknowledges the contract, the adjusted balance, or the payment history. These actions reflect a deliberate breach, misrepresentation, and procedural violations. Please include these exhibits in the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Although this account was fully paid, it still reflects late payment marks inaccurately.

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 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
On XX/XX/2025, I received multiple phone calls from Credence Resource Management , LLC - Debt Collector about a debt I do not owe. I asked them to stop calling, but they continued to contact me at work and even spoke to my supervisor. They refused to provide written verification of the debt and threatened legal action they can not take. I believe this violates the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this 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 non-monetary relief
Consumer complaint received 2025-10-17 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 object to the accuracy of items associated with accounts I never opened. Please conduct a detailed inquiry and remove them. Documentation accompanies this letter.

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 2025-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: SC

Complaint narrative:
XX/XX/XXXX I contacted them to try and understand the debt and verify it was mine and if it is, see what my settlement option were. The person I spoke with was rude suggested I call my lover instead because he wasnt my boyfriend. He stated it would be coming off my credit and would go back on there if a dispute was successful and hung up on me. 

XX/XX/XXXX I called back and the person refused to talked to me stated I must speak with first person was extremely inappropriate on XXXX when I refused they hung up on me. 

XX/XX/XXXX I called again to get validation of the debt and was hung up on. 

XX/XX/XXXX I called to verify that the validation or proof of debt was mailed out. I was hung up on. 

XX/XX/XXXX I called to try again to more information about the debt and eventually hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX  XXXX ( over a year ago ) I legally changed my first and last name. I have been able to update my name with my many other credit cards by either visiting a branch if one is nearby or using a secure online portal to upload my documents. However Citi Bank is not allowing me a safe or reasonable way to provide them with my documents to update my name. Citi does not have a branch anywhere near me. I live in XXXX Va and I believe their closest branch to me is about a 4 hr drive there and another 4 hr drive back. So 8 hours of driving. They are refusing to allow me to upload my documents or email them. They are trying to insist that I send copies of my private sensitive documents to them through the paper mail. I do not feel safe doing this because I very often see reports of mail being intercepted and used for ID theft. Some of the reports I've seen have even been where XXXX mail carriers have stolen mail and used it this way. The only other option they have offered is to fax them. I don't have access to a fax machine and when I looked into services I found XXXX but it's pretty expensive at XXXX to do a fax especially of several pages of documents. I do not want to expose myself to fraud and I do not want to drive 8 hrs and I don't want to spend {$10.00} or so on faxing. I shouldn't have to do any of these things. It is XXXX and they need to allow a secure upload portal for my documents. I have complained to their customer service many times and they do not care.

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 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, two unauthorized transactions appeared on my account one for {$31.00} and another for {$34.00}. Both transactions were later canceled, but I only received refunds of {$0.00} and {$1.00}, which appear to be for the international fees. I did not authorize these charges and contacted a Cash App agent for help, but they were unable to provide any information about what happened or why I didnt receive the full refund amounts. This situation feels unfair, and Im disappointed with how it was handled. I no longer plan to use Cash App and would warn others to be cautious when using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I am not liable for this debt with this company. I do not have a contract with company. They did not provide me with the original or any contract as I requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
In XX/XX/year>, Portfolio Recovery Associates ( PRA ) sent me three initial debt collection notices for different alleged accounts. Each letter stated that I had until XX/XX/year>, to dispute the debts. 

I responded to all three notices in writing on XX/XX/year> before the dispute deadline disputing the alleged debts and requesting : Validation of each debt, Proof of ownership or assignment from the original creditor, and PRAs XXXX XXXX collection agency license number, since I had recently moved to XXXX XXXXXXXX. 

Despite my timely disputes, PRA continued collection activities in violation of the FDCPA. They reported the disputed debts to all three credit bureaus without marking them as disputed. 

After discovering these illegal collection and reporting actions, I sent follow-up demand and validation requests. On XX/XX/year>, PRA sent documents they claimed established the validity of the debts. However, these documents did not include proof of ownership or a XXXX  XXXX collection license. 

Instead, PRA provided a copy of a letter allegedly from the original creditor, claiming that the accounts were sold to PRA. The letter was not on company letterhead, not signed, and did not identify any authorized representative, making it unreliable and insufficient to prove ownership or assignment of the debts.

I also filed disputes with XXXX XXXX XXXX XXXX but the unvalidated debts remain on my reports. 

I am including copies of : The initial collection notice ( sample ), My XX/XX/year> dispute/validation request letters, Follow-up demand/validation requests, PRAs XX/XX/year> response ( including the unsigned sale letter ), and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
In XXXX, I had a consolidation loan and a XXXX  loan. I still have the consolidation loan but paid off the XXXX loan with a payment made on XX/XX/XXXX for {$2700.00}. There are XXXX entities involves as the loan has moved around frequently. 

XXXX. XXXX XXXX  - The administrator of the loan and servicer XXXX. XXXX - XXXX servicer who possessed the loan from XXXX to XXXX XXXX. Department of Education- the collections arm that XXXX sent the loan to for collections. 

XXXX may be involved but I'm not sure. They are the servicer of my consolidation loan. 

Since XXXX I have not received any communication from anyone about the loan. XXXX has never sent letter or a called. They have on file a XXXX XXXX XXXX address. I've been in my current location since XXXX and was receiving bills at this address in XXXX. 

I was unaware of any collections activities regarding the loan. As I paid off the loan, I did not think anything of it. 

I have the line item of the electronic payment in my XXXX XXXX checking account. Nobody has taken credit for receiving the payment made on XX/XX/XXXX. The line item states Dept of Education as the receiver. In a call with XXXX XXXX they've stated they can not determine who exactly received the payment just the general description of " Dept of Education ''. 

Due to collections my credit went from XXXX to XXXX. I've filed a dispute with the credit bureau who stated that Department of Education told them the reporting was accurate and they declined to remove the derogatory remark from my credit. 

XXXX, XXXX nor Department of Education will take the time to investigate the issue. XXXX University has tried but XXXX stated they can not talk to XXXX because they are not the borrower even though it was their loan. 

Department of Education has also put in a claim a tax refund money and has claimed {$800.00} so far that needs to be returned to me. 

I can not get anywhere, because there is no money owed, there is no commission to be made and nobody is willing to investigate the issue. This collections activity is preventing XXXX loans I need for my business.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-17 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 respectfully contest the presence of accounts listed under my name without my approval. Kindly investigate thoroughly and delete them. Enclosures are included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: ID Analytics, Inc.
State: AL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft. Several fraudulent accounts and unauthorized inquiries have been reported on my XXXX  credit file by individuals using my stolen information. 

I have submitted a police report with the XXXXXXXX XXXX XXXX ( Case No. XXXX ) confirming this crime. I have also mailed XXXX  a formal written dispute with supporting documentation, requesting deletion of fraudulent charged-off accounts and removal of unauthorized inquiries. 

Despite my compliance with FCRA 605B and 611, these items have not yet been deleted, and the continued reporting of this false information has caused substantial harm to my credit reputation and financial opportunities.

I am asking the CFPB to compel XXXX  to : Block and delete all fraudulent accounts and inquiries. 

Provide written confirmation of the completed investigation. 

Ensure that no adverse data linked to the identity theft remains in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: BTH Management
State: MI

Complaint narrative:
I am not liable for this debt with this company. I do not have a contract with company. They did not provide me with the original or any contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Early Warning Services, LLC
State: TX

Complaint narrative:
CFPB Complaint Credit Reporting ( Inaccurate/Unverifiable Information ) Product : Credit reporting Issue : Incorrect information on your report Sub-issue : Information belongs to someone else / cant be verified / failure to investigate Company ( ies ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

What happened? ( Narrative ) I am disputing multiple inaccuracies and unverifiable entries on my consumer reports. Over the last several months I sent written disputes ( with identity and address documents ) to the nationwide consumer reporting agencies listed above. My disputes identified specific items and requested correction or deletion under the Fair Credit Reporting Act ( FCRA ). 

Despite receiving my disputes, the agencies did not ( 1 ) reasonably investigate, ( 2 ) provide the method of verification, or ( 3 ) correct or delete items that remain inaccurate, incomplete, or unverifiable. Some items appear to have conflicting data across bureaus ( dates opened/last activity, balances, status comments ), suggesting data quality issues. In at least one instance, a previously removed item appears to have been reinserted without the required furnisher certification or 5-day notice. 

Key problems I reported directly to the CRAs : Cross-bureau inconsistencies ( different dates, balances, status codes for the same tradeline ). 

Unverifiable collections lacking proof of the original creditors ledger, chain-of-assignment, or clear Date of First Delinquency ( DOFD ). 

Hard inquiries where I have no record of authorizing a pull ; I requested the permissible-purpose code and signed authorization and did not receive them. 

Personal-information errors ( name/address/employer variants ) that I asked to be removed per XXXX XXXX XXXX XXXX hygiene. 

Potential improper reinsertion without the 611 ( a ) ( 5 ) ( B ) certification/notice.

Why this matters : These errors are harming my creditworthiness and causing material risk of denial or worse terms. Under FCRA 607 ( b ), 609 ( a ), 611, and ( if applicable ) 605B, the CRAs and furnishers must ensure maximum possible accuracy, conduct reasonable reinvestigations, provide the method of verification upon request, and block identity-theft information where appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am writing to raise a concern regarding two personal loans I obtained on the same day last year from two different financial institutions. At the time, I was handling several urgent matters and, unfortunately, did not thoroughly review the terms of both loans. 

Upon reviewing the loan documents later, I discovered that one bank charged me a 9 % interest rate, while the other charged me an 18 % interest ratedouble the amount. When I brought this discrepancy to the attention of the first bank, they expressed surprise at the difference, especially since both loans were issued on the same day. 

This situation has left me concerned that there may have been an error, or that I may have been subjected to unfair or potentially predatory lending practices. Every time I make a payment on the higher-interest loan, I feel that I may have been taken advantage of. I am not claiming wrongdoing without evidence, but I do feel that this situation merits further investigationeither for error or potentially unfair or predatory lending practices.

I would greatly appreciate your guidance on which agency or regulatory body I should contact to formally report this concern and request a review. My goal is to ensure that all practices involved were fair, transparent, and compliant with applicable lending laws.

Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase bank removed me from a joint business account without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: FISERV FINXACT CORE
State: AL

Complaint narrative:
I am a victim of identity theft, and fraudulent banking information was added to my consumer file without my authorization. My XXXX XXXX  account ( Routing # XXXX / Account # XXXX ) was compromised, resulting in inaccurate and damaging information being reported. 

I submitted a formal dispute directly to the companys Fraud Department, including my police report ( Report No. XXXX ) and a utility bill verifying my identity. Despite providing this documentation, the fraudulent account and inquiries have not been deleted. 

I am requesting that the CFPB ensure full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), which requires that information resulting from identity theft be blocked from consumer reports.

I am asking that the company permanently remove all fraudulent banking data, inquiries, and related negative entries from my file and provide written confirmation of deletion.

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