vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am submitting this complaint regarding an account being reported by Navy Federal Credit Union as a charged-off account on my consumer credit reports. I dispute the accuracy and completeness of the information being reported. 

The account is being reported with inconsistent and/or incomplete details, including but not limited to the balance owed, account status, and payment history. Additionally, I have not been provided with proper documentation validating the accuracy of the charged-off amount being reported. 

I believe this reporting may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires that information furnished to consumer reporting agencies be accurate, complete, and verifiable. Despite my dispute, the account continues to be reported without sufficient evidence that the information is correct. 

I am requesting that Navy Federal Credit Union conduct a thorough investigation and either provide proper verification of the debt and reporting or remove the account from my credit report if it can not be fully validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Caller states that a debt is owed to MBNA credit card and amount owed is {$8000.00} but may be able to settle for {$4000.00}. They said I would be getting served either at work or at home if this was not resolved. Caller even called my daughter at work telling her I must call them.

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 2025-12-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of two collection accounts opened at XXXX XXXX XXXX, one opened on XX/XX/XXXX with a reported balance of {$760.00}, and a second collection account opened on XX/XX/XXXX with a reported balance of {$570.00}, both reported on XX/XX/XXXX, under account numbers not provided by the furnisher, with no original creditor information provided, and both listed as open collection accounts. These accounts have resulted in inaccurate and fraudulent collections appearing on my consumer FICO credit report. Ive attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collection accounts as reported. The aforementioned collection accounts appearing on my consumer credit report maintained by you were not opened, made, incurred, authorized, or initiated by me. All of the aforementioned collection accounts are the result of identity theft and fraud. I have attached a copy of an FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the United States Federal Trade Commission that all of the aforementioned consumer credit collection accounts are the 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 non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
Subject : Privacy Violations and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and TransUnion LLC I am filing this complaint to report serious violations of my privacy and consumer rights under federal law. 

XXXXXXXX XXXX XXXXXXXX XXXX, as the original creditor, is responsible for the unauthorized sale or transfer of my personal information to XXXX XXXX XXXX, XXXX XXXX XXXX, and subsequently to the law firm XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, a third-party non-affiliated debt collector. These transfers occurred without my consent and violate 15 U.S.C. 1692c ( b ), which prohibits the disclosure of consumer information to third parties without permission. 

I was contacted by mail by both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I have retained proof of these communications. All parties now possess my personal data, including account details, without legal authorization. I demand the immediate removal of this alleged debt from all records. If this issue is not resolved, I will take further action, including : Filing formal complaints with the CFPB and my State Attorney General Pursuing legal remedies for privacy violations and unauthorized data sharing Reporting this conduct to relevant regulatory and consumer protection agencies Additionally, TransUnion LLC has continued to report this disputed debt to my credit file despite my previous requests for removal. This ongoing reporting is improper and unauthorized. I have no affiliation with the reporting colletion agency and did not authorize the use or sharing of my personal information. This violates : 15 U.S.C. 1692g ( FDCPA ) No debt validation provided ; continued collection activity is unlawful 15 U.S.C. 1681 ( FCRA ) No permissible purpose for accessing or reporting my data TransUnion has failed to address this dispute in accordance with federal law. No signed contract, itemized breakdown, or legal authorization has been provided. If TransUnion does not correct this reporting, I will escalate the matter through all available legal and regulatory channels. 

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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
Failure to respond to written hardship requests ; unfair and deceptive collection practices ; pressure to engage by phone only ; lack of transparent and documented repayment options. 

I am submitting this complaint regarding Speedy Cashs failure to comply with fair and transparent consumer-finance practices after receiving multiple written hardship requests. 

On XX/XX/year>, I submitted a written hardship request by email requesting reasonable repayment options and account closure due to financial hardship. I received no response. On XX/XX/year>, I sent a second written follow-up and again received no response. After continued silence, I sent a final written notice on XX/XX/year>. 

Speedy Cash did not acknowledge or respond in writing to any of these communications. Instead, the company has continued to place phone calls and leave voicemails instructing me to call customer service, including a voicemail received on XX/XX/year>. These calls avoid addressing my written requests and appear intended to force undocumented verbal communication. 

Despite my repeated written notices, Speedy Cash has failed to provide written documentation, continues phone-only contact, provides inconsistent information regarding repayment options, and continues to assess interest on an open-end account despite notice of hardship. 
Harm to Consumer : Denial of meaningful access to hardship review ; inability to obtain written documentation of account status or repayment options ; continued financial harm through ongoing interest accrual ; repeated unwanted phone contact after written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My situation involves Captial One and my restaurant paycard provider, XXXX XXXX. Captial one flagged my account for fraud because I was making payments on my credit card bills using my paycard. They do not recognize my paycard as legit, though it is ( I work for XXXX XXXX ). Capital One is requiring documentation that the payroll card provider does not issue. I have attempted to comply but the restriction remains unresolved. I spoke to multiple representatives from both companies, and I even spoke to a supervisor from XXXX XXXX, but none of them were able to do anything to help me resolve this issue. I am trying to build my credit, but this problem ( which began in early XXXX ) has been extremely detrimental to my efforts. I made my strenuous efforts to resolve this issue back in XXXX, but soon became swamped with classwork from XXXX. Now that I just completed my graduation from XXXX  XXXX last week, I now have time and attention to prioritize this problem once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I spoke to the folk at Chime and they assured me that there was nothing they could do to help with Fraud that a user of their platform was perpetrating. I have filed a report with IC3, the case with them is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX ( XXXX ) XXXX XX/XX/year> Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Obsolete Information Accounts XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following information appearing on my credit report. I have identified an account that isobsoleteand should no longer be reported under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. 
Account Details : Creditor Name : XXXX XXXX Account Number : Type of Debt : Student Loan Reason for Dispute : This account was opened approximately 10 years ago and has been inactive for well over the legal reporting limit. According to the FCRA, negative informationincluding late payments and accounts placed for collectioncannot be reported for longer thanseven years. 
Since this debt is 10 years old, it is past the " Date of First Delinquency '' and is legally required to be removed from my credit file. Furthermore, this debt has exceeded the Statute of Limitations for collection in my state. 

Requested Action : I request that you investigate this matter immediately andremove this trade line from my credit report. Reporting expired or obsolete debt is a violation of federal law and negatively impacts my credit standing. 
Enclosed are copies of my drivers license to verify my identity. Please provide a written response within 30 days confirming that this item has been deleted. 

Sincerely, 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 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Ive been trying XXXX  dispute this with the company does not belong XXXX  me. I believe this is due XXXX  identity theft XXXX  let the company know Ive been paying all the companies XXXX XXXX XXXX all this companies money XXXX  try XXXX  help me clean my credit, even though I die They dont really help out. XXXX reaching out XXXX  you guys because this does not belong XXXX  me. I never had credit XXXX  now based on what they saying, they are giving me credit for something. I dont even know what this company is for what they provide provide better yet I havent received anything from them. This is not fair ruining peoples credit just like that he needs XXXX  be removed. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
Please inspect the attached materials ; the questions were submitted without notice and may not be approved.

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 2025-12-24 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Fresh Holdings Inc
State: PR

Complaint narrative:
Debt Validation and Limited Cease and Desist Letter Date : XX/XX/year> To : Credit Fresh Re : Account Number XXXX To Whom It May Concern, I am writing to you in response to your recent communication regarding the alleged debt mentioned above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide me with validation of this debt.

I dispute this debt in its entirety. Please provide the following information so that I may verify the accuracy of your claim : 1. Proof of Legal Authority : Documentation showing that you are legally authorized to collect this debt in my state.

2. Chain of Title : A complete list of all previous owners of this debt, including the original creditor.

3. Account Records : A copy of the original signed contract or agreement that created this debt, along with a full itemized statement of the alleged balance, including all interest, fees, and payments made.

4. Statute of Limitations : Documentation proving that this debt is within the statute of limitations for legal collection in my jurisdiction.

Notice of Limited Cease and Desist Furthermore, under 15 U.S.C. 1692c, I am exercising my right to restrict the manner in which you contact me. Cease and desist all telephone communication regarding this matter, whether to my home, my cellular phone, or my place of employment.

All future communication regarding this account must be sent to me exclusively in writing via the U.S. Postal Service at the address listed below.

Be advised that if you fail to provide the requested validation within 30 days but continue collection effortsor if you violate this cease and desist notice by calling XXXX will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
CFPB Consumer Complaint Draft Company Name : Early Warning Services , LLC XXXX Name : XXXX XXXX Consumer # : XXXX Dispute Case XXXX : XXXX and XXXX Complaint Description I am filing this complaint against Early Warning Services ( EWS ) for systemic failure to maintain accurate data and for conducting inadequate reinvestigations in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) On XX/XX/year>, EWS sent me a reinvestigation result for XXXX ID XXXX regarding a XXXX XXXX account. In this official document, EWS lists the " Date of Inquiry '' as XXXX/XXXX/1899. This is a technical impossibility and a clear indication of corrupted data. Despite this glaring error, EWS certified the report as " accurate and complete ''. 




XXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) In response to my disputes for both Case ID XXXX and Case ID XXXX, EWS provided procedural descriptions. In these documents, EWS explicitly admitted : " Early Warning does not have access to account documentation that resides within your Financial Institution ''.

" Therefore, we are unable to provide copies of documents that your Financial Institution maintains ''. 


By their own admission, EWS does not review the underlying evidence ( contracts, signature cards, or statements ) necessary to verify an account. They simply " rubber-stamp '' whatever the furnisher claims. This does not meet the legal standard for a " reasonable reinvestigation '' when the consumer challenges the accuracy of the record. 




Desired Resolution I demand the immediate deletion and removal of these inaccurate records from my consumer file. Since the agency has admitted they have no access to the records required for verification and are reporting impossible dates ( XXXX ), the items are unverified and must be suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
i ordered clothing from someone thru paypal, they sent the complete wrong items in totally inadequate packaging, paypal refused to give me any sort of refund despite the large amount of photos / text evidence i provided of the person admitting to scamming me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this CFPB Complaint to report 10 separate accounts appearing on my consumer credit report which Ido not recognize as reported and which are the result of a data breach. These accounts include : 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 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 XXXX XXXX XXXX These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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