vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my Skylight prepaid account, with routing XXXX ; an account XXXX... I am devastated to have found out that my account has most likely been compromised for a good amount of time without me knowing. I use my skylight account daily, but lately Ive been using it mostly as a savings account rather I transfer the funds from my other bank accounts or I have funds from my business sales sent directly to my Skylight  from clients. I have been adding funds and getting direct deposits for a while as Im still in the process of moving to California from Texas .. Since around XXXX of XXXX  Ive been saving for this move, so since then I have been either adding cash manually with direct deposits my card or transferring my balance from other accounts. The issue is, I never look at my balance I always just load it an assume its there as its always been.... I know for a fact since XX/XX/year> I had to have at least $ XXXX {$8000.00} in my account with very minimal spending if any. I know I have spent definently since then also but not enough to be left on XXXX. I was trying to call XXXX a new card, but I wasnt able to over the phone with an associate who didnt speak XXXX, so I headed to the app, However upon logging in for the first time in a while, I logged in on my mobile to find that my entire account was drained with MULTIPLE transactions from ( Mainly TEXAS XXXX, also large sums of money withdrawn. I believe either the non English speaking phone agent misUnderstood me an sent a XXXX card out to some random address in TEXAS that I didnt say an someone has it or my card was copied somewhere when I went to Texas back in XXXX to look at places an someone has been taking full advantage of my account. So soon as I seen this I tried to call customer support only to be yelled at by someone who had an accent I could not understand at all..... I called again only to be connected with another non-english speaking associated trying to explain this complex situation. Both were to no avail, so I updated my address through the app an I am reaching out now to get my money back, a new card, an just to get this matter solved immediately! I am in the hole with my business, I owe child support, My rent is overdue an I am to be evicted.... I was waiting to make a big move in XX/XX/year> to California so I have been trying to make it without going into my savings, an the moment I go, nothing is there. Its very sad, at least XXXX XXXXXXXX {$8000.00} worth of deposits/transactions nowhere to be found. I really need my money.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
CFPB Complaint Inaccurate Credit Reporting Consumer Name : HD Institution : Navy Federal Credit Union Account Number : XXXX  Charge-Off Date : XX/XX/year> Complaint Narrative I am filing a complaint regarding Navy Federal Credit Unions inaccurate and misleading credit reporting for my account, which was charged off as a bad debt on XX/XX/year>. 

Despite this charge-off, Navy Federal Credit Union continues to furnish this tradeline to the consumer credit reporting agencies in a manner that reflects an ongoing monthly payment obligation and a past-due status, effectively treating the account as a current or active loan. This reporting is internally inconsistent and materially misleading, as a charged-off account should not simultaneously be reported as an active installment account with a required monthly payment. 

This tradeline has been reporting for over XXXX years, and Navy Federal Credit Union has failed to ensure that the account is being furnished in a manner that is accurate, complete, and not deceptive, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Reporting a charged-off debt as if it remains an active loan with ongoing payment terms creates an inaccurate portrayal of my credit obligations and unfairly harms my credit profile. 
XXXX XXXX Reporting Inconsistencies Under the XXXX XXXX XXXX XXXX XXXX XXXX, furnishers are required to report account data that is accurate, complete, and internally consistent across all applicable data fields. XXXX XXXX XXXX XXXX furnishing of this account contains XXXX XXXX inconsistencies, including but not limited to reporting a charged-off account while simultaneously furnishing fields associated with an open or active account, such as a scheduled monthly payment amount, past-due status, and ongoing payment history. These data elements can not logically coexist under XXXX XXXX guidelines once an account has been charged off. 

Furnishing contradictory data fields constitutes materially misleading credit reporting and does not meet the accuracy standards required under the Fair Credit Reporting Act. If Navy Federal Credit Union is unable to substantiate that all XXXX XXXX fields are being reported accurately and consistently with the charged-off status of this account, continued reporting of this tradeline is improper. 

Relief Requested - Immediate deletion of my account from Experian, Equifax, and TransUnion - Written confirmation of deletion once completed- If deletion is refused, full written validation that all XXXX XXXX fields are accurately furnished and that no re-aging has occurred

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 2025-12-16 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-12-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-16 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: NH

Complaint narrative:
I am disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence. Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this, the following inaccurate and unauthorized account was verified on my credit report : Account Name : XXXX - XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained. 
According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure EQUIFAX complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX : A check ( # XXXX ) that I had written to the United States Treasury for {$900.00} ( quarterly tax estimates ) was cashed by Wells Fargo. This did not raise any suspicions as it was a check I had written and I'd routinely made tax payments to the IRS via my Wells Fargo checking account/checks. The check showed as cleared on my monthly Wells Fargo statement and I had no reasonable means of knowing there was an issue. 

XX/XX/XXXX : After filing my XXXX taxes, I received a notice from the IRS that my XXXX payments were {$900.00} short, as no payment had been received in XX/XX/XXXX. I immediately contacted the IRS with proof of my Wells Fargo check # XXXX ( cashed XX/XX/XXXX, ) to which the IRS responded they had never received, or cashed, such check. I engaged in multiple communications with the IRS from XXXX XXXX, in an effort to prove my XX/XX/XXXX payment. 

XXXX XXXX : The IRS maintained its position that they had received no {$900.00} XX/XX/XXXX payment from me, and after providing them a copy of the canceled check, they stated the check showed no endorsement, therefore Wells Fargo had likely cashed my check fraudulently. 

XX/XX/XXXX : I made multiple phone calls to Wells Fargo to explain the situation, and after representatives agreed it appeared there was not a proper endorsement on check # XXXX, directed me to make an appointment with a Wells Fargo branch. After securing an appt at the Wells Fargo XXXX XXXX branch, I was contacted by the branch manager who told me I should actually file a fraud claim with Wells Fargo over the phone. I then contacted the fraud department, who assisted me in filing a claim that was forwarded to the Check Fraud Claims Center. 

XX/XX/XXXX : I received a letter ( att 'd ) from Wells Fargo check fraud claims stating that while it appeared my check was fraudulently cashed, nothing could be done since more than 30 days had passed. I explained to the representative that while I understood the policy, I had no reasonable way to discover the fraud sooner.

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 monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt has been cancelled and settled with the original creditor XXXX XXXX XXXX  XXXX. Both credit cards accounts have been issued a 1099C which is a cancellation of debt owed to the original creditor. I have not obligation to pay a debt collector for debt that has been settled for {$1300.00} and {$1100.00}.

15 US Code 1692C If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 US Code 1681 E ( b ) 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.

I have no intent to pay a debt collection who bought accounts from original creditor under false pretense of being paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Clasp Group, Inc.
State: CT

Complaint narrative:
I experience a financial hardship and contacted XXXX XXXX beginning in XX/XX/2025 to request temporary payment relief ( deferment or forbearance ). 

Between XXXX and XX/XX/2025, I submitted multiple hardship and postponement requests and provided the requested documentation, including income paystubs and correspondence showing my financial situation. I asked for additional documents or repeated information without a clear determination or relief being granted. 

Despite my ongoing hardship review and compliance with document requests, my account continued to be marked past due, late fees were assessed, and I was informed that payments were due immediately. I was not provided a temporary pause, forbearance, or protection from delinquency while my hardship was under review. 

I attempted to resolve directly with the servicer through multiple messages and uploads, but no workable temporary repayment solution was offered. The lack of clear guidance and continued billing during an active hardship review has caused financial strain and uncertainty regarding my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 see that inaccurate late payments are still appearing on my credit reports today, and I can not understand why. The inaccurate late payments were not removed after refreshing my browser. I urgently request that the documents I submitted be reviewed thoroughly so I can finally stop worrying about this.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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