vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Subject : URGENT Update Backdated Incomplete Notices, Contradictory Servicing Actions, and Delivery of Certified RESPA Letters Today Date of Update : XX/XX/XXXX Servicer : Navy Federal Credit Union Loan Type : Conventional Mortgage I am submitting an update to my existing complaint. Today, XX/XX/XXXX, I received two separate mailed packages from Navy Federal Credit Union, each containing a Notice of Incomplete Information for Borrower Response Package, dated XX/XX/XXXX. 

These notices are materially incorrect, untimely, and do not reflect the current status of my application, for the following reasons : I submitted a complete loss mitigation application on XX/XX/XXXX, including all required income and hardship documentation. 

I resubmitted the documents again on XX/XX/XXXX and again on XX/XX/XXXX after multiple NFCU representatives confirmed the items were in the inbox. 

The notices dated XX/XX/XXXX were received 14 days after a XX/XX/XXXX voicemail and do not include or acknowledge any of the documents submitted on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. 

These notices contradict the statements of several NFCU employees who verbally confirmed that the documents had been received. 

I also did not receive any written acknowledgment of receipt of my updated application within XXXX business days as required. 

Furthermore, all three of my certified RESPA letters ( Notice of Error, Request for Information, and Escalation Request ) were delivered to Navy Federal today, XX/XX/XXXX, according to XXXX tracking. 

The backdated and duplicative incomplete notices, combined with repeated contradictory information and continued verbal requests for missing documents, appear to demonstrate : Failure to exercise reasonable diligence, Failure to maintain accurate servicing records, Failure to provide timely and accurate notices, Improper handling of my loss mitigation application, and Potential backdating or delayed mailing. 

I am requesting that CFPB ensure that Navy Federal : Responds in writing to my certified letters as required, Stops issuing outdated or incorrect incomplete notices, Correctly acknowledges my complete application dated XX/XX/XXXX, Conducts a proper evaluation within the required 30 business days, and Ensures no negative credit reporting occurs due to servicing delays or errors. 

Thank you for your 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 2025-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX This collector contacted me, who is not the person addressed in their message and screenshot. 

They gave me a detailed collection notice, including the amounts and details of the debt. 

I am not the person they were trying to contact, and now I have all of the persons information, as well as their debt information. 
This is unlawful, and I should have never received this information so out right. 
There was no, if this is you. There was no communication. But they sent me all of this persons information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Please check the documents ; the questions came in suddenly and may not be authorized.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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.

Complaint narrative:
A collection account from XXXX for an original creditor listed as XXXX XXXX  is appearing on my credit report. This account is not mine. 

I have never lived in Utah, have no connection to the XXXX XXXX, UT address on the account, and the Utah phone number is not associated with me. I have been living XXXX  the United States for almost XXXX years, and I did not open or authorize this account. 

This appears to be a mixed file error and a violation of FCRA 602, 603, 609, and 623 for inaccurate reporting. XXXX XXXX XXXX is reporting fraudulent or incorrect personal information and refusing to validate ownership of the debt. 

I am requesting immediate removal of this account from all credit bureaus.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
On XX/XX/2025, I logged into my XXXX XXXX account and discovered an account reported by Credence Resource Management showing an open balance on my credit report. I do not recognize this company, nor do I recall opening or authorizing any account with them. This information is unfamiliar and appears to be inaccurate. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) furnishers of information are required to provide complete and accurate information that is inaccurate or can not be verified is a violation of this statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint regarding an inaccurate account entry on my XXXX credit report. The account in question is a Wayfair-branded Citibank credit account, which is being reported as having a balance of approximately {$300.00}. 

This information is incorrect. I have contacted Citibank, the issuer of my Wayfair credit card, and they have confirmed that my account has maintained a zero balance for nearly a year, following full payment of the balance. I have attached a recent Citibank statement verifying that there is no balance owed. 

Additionally, I have never received any correspondence from the company or entity currently reporting this account as a collection. There have been no letters, emails, or phone calls regarding any alleged debt or outstanding balance. 

As a military spouse residing at XXXX XXXX, Virginia, I am not required to change my home address under the Servicemembers Civil Relief Act ( SCRA ). Therefore, any claim that correspondence was sent but not received is invalid, as I have had no communication whatsoever regarding this matter. 

The inaccurate report of this alleged balance is causing unwarranted harm to my credit reputation. I respectfully request that the CFPB investigate this issue and require TransUnion and the company reporting the account to remove the inaccurate collection entry immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I am attaching supporting documentation to verify the accuracy of my claim. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am unable to obtain suitable housing or a reliable vehicle for my child and I because of this account and its becoming difficult to move through life as a single mom.

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 2025-11-24 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:
it report, is the result of that trafficking. XXXX. IAccount Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX  Account Number : XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Account XXXX inquiry XXXX XXXX / XXXX  XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 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 explanation
Consumer complaint received 2025-11-24 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: AZ

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 XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-24 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Block, Inc.
State: NY

Complaint narrative:
Afterpay was included in my bankruptcy discharged in XX/XX/year>. In XX/XX/year> they fraudgently took XXXX which only XXXX has been refunded. They have knowledge of the bankruptcy and have been lieing and holding my money illegally. I sent a letter of demand to refund illegally taken {$190.00}. They stay they are working on processing its been over 24 days and no refund. They have violated bankruptcy law and my consumer protections under this law. I have been married since that account originally opened my name was XXXX XXXX now XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: AZ

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 XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-24 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: AZ

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 XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-24 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: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am filing a complaint because XXXX Credit Card refuses to properly investigate unauthorized XXXX charges from XXXX. These charges were not made or authorized by me, and XXXX has since confirmed they were not valid. 

At the time the charges occurred, I was medically incapacitated due to a serious neurological condition and was later diagnosed with a XXXX XXXX, which required XXXX. Because of this medical hardship and cognitive impairment, I was unable to review my statements or report the charges within the normal timeframe. 

I explained this to XXXX many times and even sent them my medical report showing the diagnosis and XXXX timeline. Despite multiple follow-ups, XXXX continues to deny the dispute only because it was reported late and has now stopped responding entirely. 

The Fair Credit Billing Act allows issuers to apply hardship exceptions in cases of medical incapacity, yet XXXX has refused to do so. 

I am requesting that the CFPB require XXXX to : XXXX. Conduct a full investigation XXXX. Apply a medical hardship exception XXXX. Reverse the unauthorized charges XXXX. Respond to my dispute and acknowledge the documentation I provided I can upload DoorDash documentation, proof of my attempts to contact XXXX, and the medical report I already sent them.

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 2025-11-24 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: IL

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