vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX my debit card was charged in the amount of {$470.00} from XXXX XXXX amusement park which included a unauthorized tip to a birthday host. When this final invoice came in on XX/XX/XXXX I immediately called XXXX XXXX @ XXXX option number 4 to have the charges adjusted to take off the tip. The phone hung up after several rings and no answer. Because of the host issue that night I received a phone call from a number from the Area code and spoke with a manager that night so I called that number back which was XXXX and XXXX and advised of the amount that I was not in agreement of due to a tip. I made my complaint known to the manager who then said that they would have to contact the GM to speak with me. I inquired about the phone number that is listed for their store and she stated that they do not have a instore phone that everyone use their personal cell phones and she can not give out the GM name or number. I asked how long will it take for the GM to contact me she stated she was calling as soon as we hung up the phone. I waited a 48 hours before trying to call the manager number again and my phone number was then blocked. I submitted my debit card claim with my Navy Federal Credit Union on XX/XX/XXXX. Upon submitting the claim I uploaded the invoice that was sent to me prior to the party completion which showed the amount after deposit. that claim was denied on XX/XX/XXXX. On XX/XX/XXXX I requested the documentation that was used to make the determination. I never received the documents but a email saying that they used what I provided them and that a letter was mailed out to me. I never received the documentation so I sat with my supervisor on XX/XX/XXXX to escalate the matter and request a second review and again ask for the documentation that was used. She spoke with XXXX in Debit card disputes who informed that the invoice that was submitted did not show the tip and I was advised to submit the correct invoice. I completed that through secured e-message through the mobile app and again on XX/XX/XXXX I was told that the claim was denied that the transaction was authorized for XXXX and posted for that amount. I reached out again by phone to see how to resolve this issue because I was told I only needed to provide the invoice that showed the tip to the invoice and it was still denied. I was then advised by XXXX through the supervisor that I will need to speak with the merchant after that step was taken and that they need correspondence from them. I was then told that the call had to be wrapped up after only being on the line for 22 minutes and that I can use the company internal chat because I work for Navy federal to speak with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-14 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: FL

Complaint narrative:
To Whom It May Concern : I am submitting this complaint because there is an account on my credit report that is fraudulent and was opened without my knowledge, consent, or authorization. I am the victim of identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request the immediate and permanent removal of this account.

The account in question is : Creditor/Company Name : XXXX XXXX XXXXXXXX Account Number ( Last 4 Digits ) : XXXX Type of Account : [ e.g., Collection, Charge-Off, Credit Card ] Balance Reported : {$1900.00} Reporting Bureau ( s ) : Equifax / Experian / TransUnion This account is not mine. I have never opened or benefited from it, and I am not legally responsible for any activity associated with it.

I have attached the following documents in support of my claim : Completed FTC Identity Theft Report ( per FCRA Section 605B ) Copy of my government-issued ID Proof of current address ( utility bill or lease ) Copy of my credit report highlighting the fraudulent account [ Optional ] Police report, if filed Under the Fair Credit Reporting Act, I am requesting this account be permanently blocked and removed for the following reasons : 15 U.S. Code 1681c-2 ( FCRA 605B ) Any information resulting from identity theft must be blocked from a consumer report within 4 business days after receiving an identity theft report and proper identification.

15 U.S. Code 1681s-2 ( a ) ( 6 ) Furnishers must not report information they know is the result of identity theft.

15 U.S. Code 1681e ( b ) Credit bureaus are required to maintain maximum possible accuracy in reporting.

15 U.S. Code 1681i Credit bureaus are required to investigate disputes and correct inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
To Whom It May Concern : I am submitting this complaint because there is an account on my credit report that is fraudulent and was opened without my knowledge, consent, or authorization. I am the victim of identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request the immediate and permanent removal of this account.

The account in question is : Creditor/Company Name : XXXX XXXX XXXXXXXX Account Number ( Last 4 Digits ) : XXXX Type of Account : [ e.g., Collection, Charge-Off, Credit Card ] Balance Reported : {$1900.00} Reporting Bureau ( s ) : Equifax / Experian / TransUnion This account is not mine. I have never opened or benefited from it, and I am not legally responsible for any activity associated with it.

I have attached the following documents in support of my claim : Completed FTC Identity Theft Report ( per FCRA Section 605B ) Copy of my government-issued ID Proof of current address ( utility bill or lease ) Copy of my credit report highlighting the fraudulent account [ Optional ] Police report, if filed Under the Fair Credit Reporting Act, I am requesting this account be permanently blocked and removed for the following reasons : 15 U.S. Code 1681c-2 ( FCRA 605B ) Any information resulting from identity theft must be blocked from a consumer report within 4 business days after receiving an identity theft report and proper identification.

15 U.S. Code 1681s-2 ( a ) ( 6 ) Furnishers must not report information they know is the result of identity theft.

15 U.S. Code 1681e ( b ) Credit bureaus are required to maintain maximum possible accuracy in reporting.

15 U.S. Code 1681i Credit bureaus are required to investigate disputes and correct inaccurate or unverifiable information.

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 2025-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was traveling from XXXX when my flight was canceled due to weather. United rebooked me for the following day, XX/XX/XXXX, at XXXXXXXX XXXX, departing from another airport approximately 50 minutes away in Washington , D.C. Since I purchased the ticket with Uniteds credit card, this delay should be covered by their travel insurance. 

Despite submitting all required documentation, the insurance provider has been giving me the runaround for the past two months. I am claiming reimbursement for a hotel stay, three meals, and an XXXX ride, totaling {$440.00}. According to the card benefits, the coverage limit is up to {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX my account lost access to the checking account used to pay the mortgage. The online portal would no longer accept the checking account as a valid account for payment. However the phone system still had the checking account in their records and was able to make payments that way. 

The following month the loan was no longer linked to my online account. ShellPoint was notified when I called to make a payment and stated a ticket would be opened XX/XX/XXXX ( 22 minute call ). I was informed I should receive some contact shortly. On XX/XX/XXXX ( 40 minute call ) I finally gave up on waiting for Shellpoint and contacted their customer service again. I spoke with a very helpful and nice representative but still lost a significant amount of time. 

I'm concerned for the security of my personal data that they have and I have no method to view statements, tax payments or mortgage payment history. I'm paying a number over the phone each month without knowing what it comprises and trusting this is a bug in the system not a data breach which makes me very uncomfortable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CA

Complaint narrative:
We vacated our apartment at XXXX XXXX XXXX on XX/XX/year>, XXXX days before our lease ended on XX/XX/year>, because the office was closed on the XXXX. We provided written notice of our vacate date in advance, and the property manager confirmed receipt and accepted possession of the unit. 

We attempted to pay the full XXXX rent and utilities ( {$3700.00} ) before moving out. Payment was refused on two separate attempts. We later received written confirmation from the property manager that we owed nothing more beyond the lease end date and that our tenancy was closed.

Despite this, the account was forwarded to a collection agency. We requested an itemized statement and verification of the alleged debt from the collection agency but have not received any response. This collection activity appears to be in error, as no balance is owed. We are requesting removal of any negative or collection activity associated with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-14 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: NY

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2021, Balance : {$180.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021, Balance : {$610.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2021, Balance : {$29000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX MORTGAGE LL Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-08-14 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial accessed my XXXX credit report on XX/XX/2023. Why did GM Financial access my credit information? Explain why GM Financial requested my credit information and state how my information was used after GM Financial obtained it. Identify and provide a copy of any documents that were related to the credit inquiry.

Company response to consumer: Closed with non-monetary relief