vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal Credit Union is reporting inaccurate information on my credit report regarding an auto loan account opened in XX/XX/XXXX. 

According to the credit report, the payment history shows multiple months marked as XXXX days late ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), without the account ever being brought current. This violates reporting standards, as late payments must progress ( XXXX, XXXX, XXXX days ) unless the account is brought current in between. 

Additionally, the charge-off date is inconsistent. The payment history shows the account was charged off starting in XX/XX/XXXX, but the main status section says the charge-off occurred in XX/XX/XXXX. This is contradictory and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently did an investigation on my creditreport nd found several items on there to be inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/, at approximately XXXX, while on vacation in XXXX XXXX XXXX XXXX I was drugged and my phone was stolen. This incident occurred a night out and I have no recollection of the events leading up to the theft. Upon regaining consciousness, I realized my phone was missing but my wallet and cards were there in my backpack so I thought its only my personal phone stolen. As soon as I realized that I contacted my mobile carrier XXXX to freeze my phone to prevent unauthorized access and I also filed a stolen report with them. 
On XX/XX/XXXX I had to fly to XXXX and had a prearranged tattoo appointment, thats pretty much what I did the whole day there. 
On XX/XX/XXXX, I tried to log into all my bank accounts on my work phone but I cant because I normally used my Face ID and couldnt remember so many log in name and passwords. Facing issues with password recovery I contacted Chase support. The agent informed me of unauthorized purchases totaling of over {$20000.00} via XXXX XXXX  ( which I never used or connected my card with before ) and I requested them to lock the card to prevent further unauthorized transactions. 
After I came back to the US I contacted Chase so many times to tell them that what happened and did fraud claims with them but instead of doing real investigations about my fraud claims they accused me of being responsible for the unauthorized transactions that someone who drugged me did, not being helpful, super mean and when I asked them if they tried to contact the merchandises and they just questioned me back if I contacted the merchandises as I needed to do their jobs! 
After being denied to get my money back, I started to collect proof that when I was in XXXX, those people who stole my phone started to use my card in another city, XXXX already. I even contacted one of the first merchandise they shopped in and got replied of footage screenshots of people who used my stolen phone to shop there. I uploaded all the information and proof to Chase fraud recovery department, even my XXXX ( another bank that got hit by these people on my phone ) statements of fraud activities and they gave me all my money back. 
Based on all the truth and evidence of time frames, footage of the merchandise, fraud activities statement from XXXX bank, Chase still say all the transactions are valid for no reasons and told me they had their internal investigations and its not a fraud. 
Its so frustrating and I cant believe even I found the footage to prove everything Chase still doesnt want to give me my money back at all. 
If possible, I can send you the emails of getting the footage from one of the merchandise to support what I said! I did attach some pics of the emails since theres no way for me to forward you guys the email. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I received a call from XXXX and that person on the phone asked my name and when I asked them to state their business, they wouldnt state the business instead the person on the phone was getting smart and sighing very loudly and rudely as if they were annoyed. I pressed record on my phone and they got mad and hung up. This called called me repeatedly between the hours of XXXX through XXXX. The caller mentioned the name XXXX, so I called the number on the back of the card and spoke with an agent and informed them as to the occurrence. At that moment, I became aware that my account was reporting as past due, I told the agent thats not possible as I mailed in a {$100.00} XXXX on XX/XX/year> ; she stated that the amount had not posted yet, so I asked for the fee to be waived as this is an issue that is not of me nor within my control. She only offers {$15.00} credit and begins to scold me and state that I need to make payments before the due date and pay the minimum amount due in which I state that I did those things times XXXX I mailed in a XXXX  a few weeks prior to due date of XX/XX/year> and made a XXXX  higher than the minimum due in which I asked for the supervisor about XXXX times before being transferred to a person in the escalation department who was very rude and hangs up on me. I call back again and speak to another woman who begins to get smart and make smart remarks, so again I ask for a supervisor, and she makes a remark stating that I would be wasting or paying more money for a lawyer because I stated that I am looking into getting a lawyer involved in this situation and then makes another smart comment and begin making more smart comments because I started to record the conversation, she in turns hungs up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Upon checking my credit report, I was alarmed to find a collection account listed under XXXX XXXX, XXXX, which I firmly believe is inaccurate and does not relate to any valid debts or accounts I hold. I have never been informed about any outstanding balance owed to any business that would justify such a collection action, nor have I received any communication from XXXX XXXX XXXX pertaining to this matter. 

This incorrect entry has negatively impacted my credit score and reputation, causing distress and potential financial harm. I request that the Federal Credit Reporting Bureau investigate this matter promptly. 

To assist in the investigation, I have attached copies of my credit report highlighting the disputed entry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously sent a letter to XXXX XXXX regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously sent a letter to XXXX XXXX regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
To Whom It May Concern, I am formally requesting the immediate removal of a collection account inaccurately reported on my credit file. The account in question has already been removed from XXXX  and XXXX, as confirmed by official reports accessed via XXXX XXXX, XXXX, and XXXX  's direct website. 
However, it still appears on XXXX  through XXXX, and on XXXX  through XXXX XXXX, which is a violation of your responsibilities under the Fair Credit Reporting Act ( FCRA ). 
Under FCRA Section 6 v b ), credit reporting agencies must maintain the maximum on investigating everything on our credit report therefore this collection account has been removed from my [ XXXX ] credit report XXXX yet it still appears on my [ XXXX/XXXX/XXXX  ] report. Under FCRA Section 611 and Section 607 ( b ), I request an immediate investigation and deletion if the account can not be verified with accurate and current information. 
Under the FCRA, all information furnished must be accurate and consistent across all reporting agencies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently did an investigation on my creditreport nd found several items on there to be inaccurate

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 2025-07-13 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: NJ

Complaint narrative:
XXXX XXXX have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681.The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Delete the following account from my consumer reports : 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 non-monetary relief
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
XXXX XXXX have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681.The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Delete the following account from my consumer reports : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
I just received my 2nd credit report XX/XX/year>XXXX  reports on my accounts are still incomplete and inaccurate which is a violation of 15 USC 1681e ( b ) 1681i ( 5 ) if after any investigation 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 has been modified or deleted from the file of the consumer. 

1681i ( 6 ) ( b ) ( iii ) a notice that, if requested and is being requested by the consumer, a description of the procedure used to determine the accuracy, including the business name and address of of any furnisher of that information contacted in connection with such information and telephone number of such furnisher, if reasonably available.

Also 1681i ( 7 ) consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( b ) ( iii ) by no later than 15v days after receiving a request from the consumer for that description

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 2025-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I was the winning bidder on the property located at XXXX XXXX XXXX, XXXX, NC. I signed all necessary purchase documents, including a HUD-mandated Purchase and Sale Agreement, Lead-Based Paint Disclosure, and Altisource Affiliated Business Arrangement Disclosure, and submitted my deposit in good faith. However, despite meeting all requirements, I was never given access to the property, and the transaction was canceled without my knowledge or consent. 

Despite no lawful closing occurring with my approval, a Special Warranty Deed was recorded in my name on XX/XX/XXXX, and real estate brokers were paid commissions on the file. I did not authorize any closing statement, sign a final HUD-1/CD, or approve deed recording. 

I later discovered via county tax records and PropStream title history that the seller was Wells Fargo Bank NA / XXXX XXXX XXXXXXXX XXXX XXXX XXXX , and the deed was executed using forged information under my identity, without legal authority or escrow closing. This directly implicates multiple parties in mortgage fraud, identity theft, and violations of federal disclosure laws. 

Key parties involved in this fraudulent and unlawful transaction include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Wells Fargo Bank NA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Affiliated brokers and auction platforms These actions violate : TILA and Regulation Z ( undisclosed closing terms, unauthorized deed recording ) RESPA ( 12 U.S.C. 2607 ) illegal kickbacks, non-disclosed affiliated business arrangements UDAAP ( 12 U.S.C. 5531 ) unfair, deceptive, and abusive acts State of North Carolina identity theft and forgery laws North Carolina Unfair and Deceptive Trade Practices Act ( UDTPA ) While my deposit was eventually refunded, this does not absolve liability. I experienced : Loss of housing opportunity Emotional and mental distress Financial damages from displacement and legal costs Breach of my civil and consumer rights

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 2025-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
I have asked United Wholesale Mortgage multiple times to send me a copy of my Call Detail Records and Call Transcripts and any related information in regards to calls I've made about my account. 

They have never responded or replied, even though I have received replies from the same mailing address for other requests. 

This has been going on since XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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