vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XXXX XXXX. I came to realize my account was undergoing some fraud. I sat on the phone with a representative for an hour and 24 mins starting at XXXXXXXX XXXX  central. Upon this call I was able to regain access to mobile banking as that was locked. I was able to insure they received my letter confirming my identity with not one or two but three signatures and a code word listed for security! There was an account closure done within this process that the representative told me was not completed due to her system failure and explained I would need to call back on the morning of XX/XX/XXXX to complete the account closure and make sure my account would still receive my direct deposits for the next 45 days being a new account was made. As the call came to an end I was fully back into my mobile banking and had {$3500.00} with a new account ( XXXX ) and savings ( XXXX ). Upon waking up and going to XXXX XXXX XXXX I returned to my room and checked my account. Being that the closure was never fully closed on the night before ( XX/XX/XXXX ) money was moved from my new account to other then my access was blocked for security as I called on XX/XX/XXXX at XXXXXXXX XXXX central for 41 minutes and speaking to a supervisor who read every note on my account. They then asked me a XXXX XXXX XXXX man ( on a XXXX XXXX which is noted and deeply explained on my file and account ) to come into a branch which would be impossible under my conditions! My main problem is I just had full access, this banking system has representatives that cant uphold a customers full request and instead of having a manager complete the account closure and stopping all compromise they may be as a customer have to call a 24 hour banking service back that should have had the means to protect my accounts at all costs. I have my pension and social security Ive worked my life for going to this account. I am now blocked from regaining access to my account without coming into a branch under my conditions and I CANT USE MY MONEY! I would like to close all accounts and have any and ALL funds released via check by mail to my mailing address on file XXXXXXXX XXXX XXXX XXXX XXXXXXXX IL XXXX Access number XXXX

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 2025-08-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau EXPERIAN credit report on XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-08-13 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX2025 XXXX XXXX XXXX/2025 XXXX XXXX XXXX2025 XXXXXXXX XXXX/2025 XXXXXXXX XXXX XXXX/2025 XXXX XXXX XXXX/2025 OXXXXXXXX XXXX/2025 XXXX XXXX/2025 XXXXXXXXXXXX XXXXXXXX/2025 XXXXXXXX XXXX/2025XX/XX/year>

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 2025-08-13 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX2025 XXXX XXXX XXXX/2025 XXXX XXXX XXXX2025 XXXXXXXX XXXX/2025 XXXXXXXX XXXX XXXX/2025 XXXX XXXX XXXX/2025 OXXXXXXXX XXXX/2025 XXXX XXXX/2025 XXXXXXXXXXXX XXXXXXXX/2025 XXXXXXXX XXXX/2025XX/XX/year>

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Complaint Summary : On XXXX XXXX XXXX, PayPal permanently closed my account without a clear explanation and is wrongfully withholding my remaining balance of {$290.00}. I have no disputes, chargebacks, or pending claims on my account. All transactions were legitimate, completed, and fulfilled with proof of delivery available. 

PayPals decision to hold my funds has no reasonable justification and violates my rights under applicable federal financial laws. I have contacted PayPals Compliance Department to request immediate release of my balance but have not received a satisfactory resolution. 

I am requesting the CFPBs assistance to ensure that PayPal releases my {$290.00} immediately. I also request that PayPal provide a written explanation for their actions and an assurance that no further delays will occur. 

Company Name : PayPal , Inc . 
Company Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Amount in Dispute : {$290.00} Date of Account Closure : XXXX XXXX XXXX My Contact Information : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early warning services is providing personal information to various agencies and organizations that I didnt authorize hindering me from opening an account or cashing any checks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Experian 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed information. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am disputing an account listed on my credit report by CBNA ( Account # XXXX ). I have never opened an account with this creditor, yet it appears on my credit report with a status of closed and late payments reported. I sent a dispute to the credit bureaus, but the account remains. 
This account is inaccurate, unverified, and causing damage to my credit. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureaus are required to conduct a reasonable investigation and remove unverifiable information. The bureaus have failed to provide any proof bearing my signature or confirming my relationship with CBNA.

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 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Dispute of Account # Request for Validation under 15 U.S.C. 1692g and Privacy Notice under 15 U.S.C. 6802 To Whom It May Concern : I am formally disputing the accuracy of the account you have reported to the credit bureaus under the above-referenced number. According to my records, your company is reporting this account as a charge-off and repossession. The amount is XXXX. 

Under 15 U.S.C. 1692g, I am requesting full validation of this alleged debt, including but not limited to : A complete accounting of the original contract, all payments made, and the amount you claim is owed ; Copies of any security agreement bearing my signature authorizing XXXX XXXX XXXX to repossess the vehicle ; Proof that your company has the legal right to collect or report this alleged debt, including the chain of title if it has been sold or transferred. 

In addition, under 15 U.S.C. 6802, you are required to protect my personal financial information and disclose your privacy practices. I demand that you provide documentation showing how my private information was shared, with whom it was shared, and whether proper notice and consent were obtained as required by law. 

If you are unable to validate this account or demonstrate compliance with federal law, you must immediately cease reporting this information to all credit reporting agencies, including XXXX, XXXX XXXX, and TransUnion. Continued reporting of unvalidated or inaccurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please consider this letter a formal dispute. If you can not substantiate this account with the requested documentation, you are required to delete it from my credit reports. 

I expect your response within 30 days, as required by law.

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 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the inclusion of an account on my credit report that I did not open, authorize, or maintain. This account is fraudulent and is causing measurable harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-13 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: CA

Complaint narrative:
Ed Financial Services, U. S Dept of Education, and XXXX XXXX In regards to Acct XXXX ( see upload ) I am requesting requesting that Ed financial services show full accounting of this account, XXXX according to UCC 9-210 Request for Accounting.

Also was this loan securitzed and sold? Requesting under the Freedom of Infomation Act ( FOIA??

There are debt collectors harrassing me so in XXXX XXXX XXXX atempting to double collect on a debt? 

I am also requesting that Ed Financial Services show proof that a loan was giving according to 15 USC subsection 1692g - Validation of. Debt under the FDCPA. 

Did Ed Financial Services provide actually debt notes or eletronic transfer funds? 

I did not give Ed Financial Services consent to report derogatory. information to my consumer report, nor sell my private information to a third part, according to 15U.S Code subsection 1681b - Permissible Purpose of consumer reports. And they have done both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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