vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, I deposited a check for {$3500.00} into my Navy Federal Credit Union account. The check was later determined to be fraudulent, but at the time, Navy Federal marked the check as approved and verified within XXXX hours and released the full funds. Normally, large deposits are held until verification, but in this case the bank made all funds immediately available. 
Following instructions from the individual who sent the check, I forwarded portions of the funds using Zelle and XXXX XXXX. Shortly thereafter, XXXX XXXX reversed the deposit, withdrew the full {$3500.00}, and placed my account over {$2000.00} into overdraft. 
When I contacted XXXX XXXX to dispute the matter and file a fraud claim, they refused, stating that I had managed to lose the money. I believe XXXX XXXX failed to properly verify the check before releasing funds and did not provide me with fair fraud protections after the incident. 
I am requesting that XXXX XXXX : XXXX their handling of the check verification process in this case. 
Reconsider their denial of fraud protection. 
Provide clarity on what protections are available to consumers in similar situations. 
I have documentation of the check, the XXXX envelope, text message instructions, and proof of the outgoing transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THERE ARE XXXX FRAUDULENT ACCOUNTS AND FRAUDULENT INQUIRIES IN MY CREDIT REPORT WHICH DOES NOT BELONG TO ME AND MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
XXXX. XXXX XXXX XXXXXXXX OPENED XXXX, XXXX XXXX XXXX XXXX OPENED XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX OPENED XXXX. 
ALSO FOLLOWING FRAUDULENT INQUIRIES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX. I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-08-22 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:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX  {$31000.00}, XXXX XXXX  {$20000.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX  {$31000.00}, XXXX XXXX  {$20000.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I deposited a {$13000.00} cashiers check ( # XXXX issued by XXXX XXXX XXXX XXXX XXXX, payable to my business XXXX XXXX XXXX XXXX ) into my Citizens Bank account via XXXX XXXX. 

The check cleared and Citizens received the funds ( see attached XXXX XXXX XXXX ). However, Citizens placed an extended hold until XX/XX/XXXX. On XX/XX/XXXX, Citizens issued a XXXX Correction Advice debiting {$13000.00} as a duplicate item. Citizens then froze my account and denied me access to my funds. 

I contacted Citizens multiple times and was told the funds were returned to XXXX XXXX. However, XXXX confirmed they never received any return and that the check was paid and settled with Citizens on XX/XX/XXXX. Citizens has admitted to me that they have no XXXX ID or XXXX reference number to prove any return. This means Citizens internally reversed the transaction in error and wrongfully froze my account. 

As a direct result of Citizens mishandling : I have lost over {$12000.00} in business contracts ( including a XXXX business trip I had to cancel ). 
My auction accounts were blocked due to missed payments. 
I have incurred over {$1000.00} in late fees and suffered severe business disruption. 

Requested Resolution : XXXX. XXXX release of the {$13000.00} funds. 
XXXX. Written explanation for the reversal and account freeze. 
XXXX. Compensation for consequential damages caused by Citizens error, including lost business and late fees. 

Attached : Copy of cashiers check ( # XXXX from UMassFive CU ) Electronic Deposit Image ( XX/XX/XXXX ) Deposit Correction Advice ( XX/XX/XXXX ) from Citizens This issue has been ongoing for nearly a month and has severely harmed my business operations. I am requesting CFPB assistance in requiring Citizens Bank to resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: GA

Complaint narrative:
I was told that my scheduled payments would have the fees associated with the loan deducted but any extra payments made would not have fees deducted. When I tried to make an extra payment fees were also deducted from the extra payment that of which I was not informed. And also after my scheduled payment was collected my balance went up I don't even see where any of my payment went towards the principle of the loan balance actually increased by the same amount of my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Despite a recent complaint filed through the Consumer Financial Protection Bureau ( CFPB ), XXXX. XXXX has failed to provide any documentation or evidence to support their reporting. They have not responded with any verification, yet the account continues to appear on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I am requesting that this unverifiable and inaccurate account be deleted from my credit file immediately. 
Please reinvestigate this matter and send me written confirmation once the account has been removed. I have attached a copy of my government-issued ID and a recent utility bill to verify my identity.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX. XXXX XXXX XXXXXXXX XXXX late payments : 4 Delinquency type : 30 days past due Note : These late payments appear in XXXX and XXXX, despite consistent payments in recent months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments : 2 Delinquency type : 30 and 60 days past due Note : The account shows high utilization and two significant delinquencies, one of which is 60 days. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX late payments : XXXX Delinquency type : 30 days past due Past due amount : {$130.00} Last payment date : XX/XX/XXXX Note : The account is still open and currently past due as of XX/XX/XXXX. 

XXXX. XXXX Auto ( Active Account ) Reported late payments : XXXX Delinquency type : 30 days past due Last payment date : XX/XX/XXXX Current balance : {$39000.00} Note : Late payments are reported in XXXX and XXXX, despite recent payments being made. 

XXXX. XXXX XXXX XXXX XXXX ( Closed Account ) Reported late payment : XXXX Delinquency type : 30 days past due Last payment date : XX/XX/XXXX Note : The account is closed and paid, but the late payment remains on record. 

These five accounts are contributing to a FICO Score of XXXX, categorized as XXXX. If the payments were made within XXXX hours of the due date, they may not meet the threshold for being legally considered late under the Fair Credit Reporting Act ( FCRA ). You can use this breakdown to support a formal dispute or complaint.

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Multiple accounts were opened in my name without my consent. I am not able to access and ChexSystems will not let me access for another 2 weeks. This person has been opening multiple accounts and hacking into my credit reporting accounts without my consent. I've frozen the accounts, but afraid what is there to stop them from accessing since they have been able to change the email and number through my social and open checking accounts. I have called ChexSystems twice to gain access to my account and the operators told me two separate things. First operator said I was not able to access my account due to too many attempts of trying to log in. I never had an account with them before and was trying to explain to them that I am a victim of identity theft and they said I had to wait 2 weeks. The second operator said I am not able to access the account due to a lack of information from XXXX XXXX which did not make complete sense to me. They said I would have to call the third party to gain access to my account.

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 2025-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Mortgage transferred to selene finance and immediately started getting late payments because they input incorrect autopay details for multiple months. They are the worst most evil company only looking to get late payment revenue by exploiting their customers and having ignorant customer service. If you get a Selene mortgage you should refi or leave the country. They should be tried at the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged seven ( 7 ) overdraft fees of {$34.00} each by Chase Bank on my checking account. I contacted Chase to request a refund because these fees all occurred during the same period Chase only refunded three ( 3 ) of the overdraft fees but refused to reverse the other four. I believe all seven ( 7 ) overdraft fees should be refunded because they happened as part of the same overdraft incident and place an unreasonable financial burden on me. I am a long-time Chase customer and have generally kept my account in good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
As part of a fraudulent job offer scam, I was instructed to forward funds after depositing a check for {$3500.00} on XX/XX/year>. On XX/XX/year>, I used Zelle to send : {$1000.00} to XXXX XXXX ( email : XXXX ) {$500.00} to XXXX XXXX XXXX ( phone : XXXX ) Shortly after these transfers, my bank determined the original check was fraudulent and withdrew the funds from my account, leaving me with significant financial loss and overdraft fees. 
I attempted to report the matter to my bank, but they denied responsibility and refused to file a fraud claim. I am requesting that Zelle : Investigate these two transfers as part of a known scam. 
Clarify what fraud protections are in place for Zelle users who are targeted in scams. 
Provide assistance in recovering or disputing the transfers if possible. 
I have retained documentation, including the fraudulent check, USPS mailing envelope, text communications, and screenshots of the Zelle transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Summary of Dispute I purchased a XXXX XXXX XXXX bracelet for {$3200.00} from a seller on XXXX, paid in XXXXwo transactions ; on XX/XX/year> for {$3000.00}. Of the {$3000.00}, {$1100.00} was the negotiated price of the bracelet. This is evidenced by an invoice I submitted as well as messages with the seller. A second charge of {$2000.00} was invoiced on XX/XX/year>, as I was asked to pay a premium to upgrade the bracelet as the first bracelet was broken. Despite weeks of communication, a bracelet was never delivered. I filed disputes for both charges with Barclays. 

Barclays credited {$2000.00} for the XX/XX/XXXX transaction but reversed the provisional credit for the XX/XX/XXXX charge. Of that {$3000.00} transaction, {$1100.00} was specifically for the bracelet. Barclays improperly accepted a generic shipping receipt as proof, even though it only related to other items and did not show the bracelet was delivered. The sellers evidence ignored the bracelet entirely, I did not receive the bracelet and there is no proof I ever received it. 
I submitted detailed evidence, including two invoices for th
e bracelet and 29 pages of messages and supporting documentation that demonstrate misrepresentation, fraud, and record tampering by the seller. Barclays did not properly review this evidence and instead accepted the sellers incomplete submission. 

As a long-standing customer, I am disappointed that Barclays failed to conduct a fair review and left me without either the bracelet or the full refund. 

* fax confirmation of Barclays receipt of the full package of evidence is available.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
( AMSHER COLLECTION SERV ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE IN REPORTING. ( ACCOUNT # XXXX, AMOUNT {$1500.00} ) THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 48 HOURS, I WILL BE SEEKING REMEDY UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL TAING LEGAL ACTION AGAINST ( YOUR COMPANY, AMSHER COLLECTION SERV ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 2 DAYS ( 48 HOURS ). THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation