vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo: Transunion\nXXXX XXXX XXXX XXXX XXXX XXXX.\n\nDear Transunion,\n\nThis letter serves as a formal second dispute regarding inaccurate reporting of the following account:\n\nCreditor Name: XXXX\nAccount Number: Account # XXXX\nReported Status: Repossession \n\nI have previously disputed this entry, yet you continue to report it as a repossession. The information remains inaccurate and misleading, and I am now demanding a full reinvestigation under FCRA 611(a) and a method of verification under FCRA 611(a)(7).\n\nThis account was a voluntary surrender, not a repossession. The vehicle was returned voluntarily while the account was current and not in default. Reporting this as a repossession misrepresents the nature of the transaction and damages my creditworthiness.\n\nUnder FCRA  607(b) and 623(a)(1)(A), both you and the furnisher are legally obligated to ensure that all information reported is accurate and not misleading. Simply verifying an entry through automated data exchange without reviewing documentation from the furnisher does not satisfy this requirement.\n\nAccordingly, I demand the following:\n\nA detailed explanation of the method of verification used in your prior reinvestigation, including:\n\nThe name, address, and telephone number of the furnisher you contacted.\n\nThe documents or data used to verify this accounts accuracy.\n\nA complete reinvestigation of the account with documentary proof that a legal repossession occurred.\n\nIf the furnisher cannot provide signed, dated documentation proving the account was repossessed after default, the entry must be deleted from my file immediately per FCRA 611(a)(5)(A).\n\nIf you cannot provide proper verification, continued reporting of this inaccurate entry will constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, which may subject your agency and the furnisher to liability.\n\nPlease provide a written response within the 30-day period required by law. I also request a copy of my updated credit report reflecting your findings.\n\nSincerely,\nXXXX 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 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Spoke with a representative for Fay Serving by phone on Tuesday XX/XX/year> was told the amount to clear my loan out of default was {$4200.00} which was {$2400.00} in past due payments {$310.00} in fees {$530.00} in back interest and {$1000.00} in attorney fees keep in mind I also recorded the conversation asked several times was these amounts correct which I believed were excessive for a loan only being 49 days past due with regular payments of {$1200.00} but any I wired the amount the same day received another call from a different Fay Servicing representative saying that an additional {$730.00} was due because of attorney fees I asked what other attorney fees are there between the last 24hrs that I spoke with the company she stated it may have been additional things the attorney had to do. I believe Fay Servicing are making up fake fees to over charge customers and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mississippi XXXX Date XXXX XXXX Experian Dispute Department P O Box XXXX XXXX, Tx XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that 1. Conduct a thorough accurate and complete reinvestigation of the following disputed accounts XXXX XXXX XXXX XXXX Mississippi XXXX XXXX XXXX XXXX XXXX XXXX Mississippi XXXX : XXXX XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, | expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. 
I expect written confirmation of any changes made to my credit file. 

Sincerely, 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 2025-10-23 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed multiple claims of fraud occurring in my checking account, savings account, and my secured credit card account and all my claim were denied. I dont believe that Navy federal really investigated the claims just denied the claims even though I submitted police reports and evidence of the transactions being fraudulent. They have now cut off all account access online and in app and im unable to even see my accounts and or transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My account was hijacked by an unknown XXXX my identity was stolen and thousands of dollars were drained from my account within minutes upon discovering this I reached out to PayPal followed all steps given to me by the fraud investigation department, which included freezing the card disputing the purchases that were fraudulent And informing the IRS that my identity and financial institutions have been compromised. Here it is two years after the fact this account has been dormant now for two years allegedly according to one of the various departments I was transferred to the last two days via the PayPal corporation. The account was sent to collections why it was sent to collections rather than closed and then collections. Im not sure but being sent to collections didnt do anything other than lock the account so I no longer have access to do anything with two or on the account and according to them I cant close the account because theres a remaining balance. The issue is I have an active account thats in good standing which I was instructed to do by someone from PayPal, my stepfather sent me money {$50.00} for helping him with some private work. He had cutting down a tree however, the money he sent went to the dormant and locked account which has been dormant for two years rather than my current account in good standing which Im not quite sure how this happened, but it should not have been able to happen if the account is locked in it sent to collections however, when I call PayPal to try to rectify the issue and to receive either the funds back into my dads account or for the money to go to the correct account they act like they cant hear me and because theyve gotten no response for me during the call they disconnected. Ive also been placed on hold until the call disconnected. They are doing absolutely nothing to help me and instead I feel as if theyre stealing from me. Its unacceptable. A dormant account should be closed no longer able to receive or send funds correct me if Im wrong at least thats my understanding of what a closed account means. I feel humiliated because Im in a position in life right now where I was truly depending on this money as Im struggling financially with the government shut down and I feel as if its a joke because I cant get a straightforward answer instead get the runaround and ultimately hung up on. Im not sure what to do but I did some googling and this was the only option that I found I was able to utilize and Im praying that this can rectify the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells fargo bank n.a. and its counsels forced me to sign via Notary then return a fraudulent instrument. 
I just noticed the Loan Modification Agreement they drafted lists them as the LENDER instead of the SERVICER, excluding the OWNER/INVESTOR, Fannie Mae XXXX 
I went to the Wells Fargo Bank , N.A . XXXX, WI branch to have the instrument notarized and the notary left me in his office, went outside maybe to his car, and came back with a plastic bag containing his notary tools. 
I did not sign a journal to document the legal interaction nor did he put my name/instrument in a journal. He didnt have a Notary log or business cards. He was rude and mean. 
The manager ceasar was discriminatory and told him not to notarize my instrument then told me to leave. I told him that was illegal then XXXX signed and stamped my paperwork.

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 2025-10-23 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: IA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 BANK 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

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: GA

Complaint narrative:
Thank you for the opportunity to respond. I have reviewed Plaza Services LLCs statement and attachments and would like to address several serious issues that remain unresolved and in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards.

1. Unverified Debt and Invalid Documentation Plaza Services claims they sent validation materials, but these documents : Do not include any reference to Plaza Services , LLC as a legal assignee or current owner of the debt. 
Contain no wet ink signature, raising doubts about the authenticity and legality of the agreement under contract law. 
Appear to be electronically generated forms ( XXXX XXXX ), which are insufficient for proper debt validation under FDCPA 809.

The documentation fails to satisfy the legal definition of validation as required under 15 U.S.C. 1692g and 15 U.S.C. 1692e ( 8 ) ( false representation of legal status of the debt ).

2. Inconsistent and Conflicting Credit Reporting There are material inconsistencies between XXXX  and XXXX reporting of this account, as outlined in my original complaint : Re-aging of the debt : TransUnion shows activity dated XX/XX/XXXX, which is nearly XXXX years after XXXX last activity date of XX/XX/XXXX. This suggests an improper re-aging attempt in violation of FCRA 605 ( c ).

Inconsistent status : XXXX  shows the account as Open and In Dispute, while XXXX  reports it as Charged Off or Collection, violating Metro 2 reporting standards. 
Double Reporting : XXXX  reports the account as 120 Days Delinquent, despite its charged-off/collection status. This is misleading and deceptive, creating confusion around the true status of the account. 
XXXX. Failure to Identify Original Creditor XXXX  report omits the name of the original creditor, XXXX XXXX, violating FCRA 609 ( a ) ( 1 ). Consumers have the right to know the source of negative information being reported.

4. Furnishing Unverifiable Information XXXX XXXX claimed during this dispute that they dont alter the original dates, but the data reflected in the credit reports contradicts that statement. This is a direct violation of FCRA 623 ( b ), as the information is not accurate, verifiable, or complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC XXXXb 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or deliveredXX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies on my Equifax credit file. Although I received a letter from Equifax confirming that my personal information is accurate, my most recent credit report still contains outdated and incorrect details. Specifically, it lists a previous address, XXXX XXXX XXXX, XXXX, NJ XXXX, which I no longer reside at. I have also noticed an incorrect late payment, which is significantly impacting my ability to secure financing to save my business and provide a home for my family. This ongoing error is causing unnecessary financial strain and emotional distress. The letter I received from Equifax contradicts what is reported on my credit file, leaving me confused as to why the necessary updates have not been reflected as promised. Additionally, I am unable to file a new FTC Identity Theft Report due to the FTC website being shut down. I am requesting that Equifax immediately correct my personal information by updating my address to XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my employer information to XXXX XXXX, while removing the outdated address. These corrections should be made promptly in accordance with the Fair Credit Reporting Act ( FCRA ), and I expect written confirmation once these updates have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Phone : XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Subject : Formal complaint against Truist Bank for unlawfully withholding funds for more than XXXX years -- - Dear Officers of the Consumer Financial Protection Bureau, I, XXXX XXXX, as the account holder of account number XXXX, registered under the name XXXX XXXX XXXX, hereby submit a formal complaint against Truist Bank for the unlawful and prolonged withholding of funds belonging to my company, totaling {$9000.00} ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). 

These funds were deposited in 2022 through an official and legitimate check. Shortly afterward, the bank placed a hold on the account and later closed it, without providing any written explanation, supporting documentation, or a means to reclaim my funds. 

Since that time, more than XXXX years have passed, and the bank continues to send me monthly statements showing the balance, yet it refuses to release the funds or provide a clear explanation. 

This conduct constitutes a violation of federal banking regulations, including : The Truth in Savings Act, The FDIC regulations, and The provisions of 12 CFR 229 ( Funds Availability Regulation ), which establish reasonable time limits for fund holds and prohibit indefinite retention of funds without proven cause or formal notice.

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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
In XXXX, Portfolio Recovery Associates , LLC filed a lawsuit against me regarding an alleged debt. The case was filed in the XXXX XXXX XXXX XXXX XXXX, Arkansas ( Case No. XXXX ). 

On XX/XX/XXXX, the court dismissed the case without prejudice after no one appeared at the scheduled hearing. This means no judgment was entered against me, and I do not owe this debt. 

I previously submitted a complaint with CFPB regarding this debt, but at that time, I did not have the courts dismissal order. I am now submitting this new complaint with this evidence to request that my credit report be corrected. 

Despite the dismissal, Portfolio Recovery Associates continues to report this debt as owed on my credit report. I have attempted to dispute this through the credit bureaus and via XXXX XXXX, but the reporting has not been corrected. 
I am requesting that CFPB intervene to ensure my credit report is updated to reflect that I do not owe this debt, and that no negative information related to this dismissed lawsuit appears on my credit report. I have attached a copy of the court order showing the dismissal as evidence

Company response to consumer: Closed with non-monetary relief