vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union continues to withdraw funds from my XXXX XXXX  and savings accounts to pay a closed XXXX XXXX XXXX XXXX  credit card ( account # XXXX ) without my authorization. 

The card was closed on XX/XX/XXXX, but internal transfers from my deposit accounts have continued through XXXX. I formally revoked authorization and disputed the debt on XX/XX/XXXX ( confirmation # XXXX ). 

XXXX XXXX responded on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX claiming that Section 5.a. of an old Credit Card Agreement allows them to pull money from my accounts indefinitely. I believe this violates : Electronic Fund Transfer Act ( 15 U.S.C. 1693 ; Reg E ) no ongoing authorization for electronic debits ; NCUA Regulation 707.11 failure to treat my dispute as an error investigation ; and XXXX Rev. Stat. 6:333 unauthorized access to consumer accounts. 

I am requesting that the CFPB require XXXX XXXX to : XXXX. Cease all internal offsets and debits from my deposit accounts ; XXXX. Conduct a full Reg E error investigation ; and XXXX. Reimburse all unauthorized transfers made since XXXX. 



Ive attached screenshots of my messages and their replies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB : I am writing to bring to your attention Transunion 's failure and refusal to delete the collection activity record from my credit report despite presenting them with evidence that the Collection Agency has provided me with a documentation stating that the collection activity reported by XXXX XXXX XXXX XXXX should be deleted from my credit report. 

I would be grateful if you would bear influence on Transunion and the other credit bureaus to delete this record 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
So I made payments for MOHELA in XXXX on the XXXX and XXXX on the XXXX and theyre saying because I missed the payment in XXXX that theyre holding that date is the day of delinquency. Told me on the phone that the payment I need in XXXX was actually put on XXXX and the payment I made in XXXX apparently went to XXXX in XXXX. So that means that even if thats the case should not be delinquent as of XXXX not XXXX and then you would have to wait for me to miss XXXX to even put me in for delinquency! 
I understand the payments were late but to hold me accountable for XXXX when you got {$17.00} over the payment in XXXX does not hold weight and then tell me that on the phone which tells me that you were just going to do whatever to make me delinquent. I was catching up on that student loan, regardless of delinquency! It being put on my account or not but for them to add it to my account when I have not not paid for XXXX  days is not fair or Honest

Company response to consumer: In progress
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Traded my vehicle that was financed with XXXX XXXX and requested a return of the monies paid for gap insurance since I was cancelling the gap coverage. 
When I looked up the payoff for my vehicle with XXXX the statement from XX/XX/year> stated my pay off was {$30000.00} and that was good until XX/XX/year> which I provided to the dealer I was buying my new car from. 
The dealer sent payoff for {$30000.00} on XX/XX/year>. 
XXXX sent me a check XX/XX/year> for {$41.00}. I called to ask about the gap insurance cancellation check and was told my check was absorbed because we actually owed {$31000.00} principal plus an extra {$63.00} in interest. 
Our statement showed the payoff at {$30000.00} and the dealer we traded the car to sent {$30000.00} which is short {$55.00}. 
Our gap refund of {$980.00} was absorbed in my belief for XXXX  personal gain. 
XXXX changed the payoff within the statement period showing that the payoff on the statement was good til XX/XX/year> and it was paid off XX/XX/year> which is XXXX  days prior to payoff on the statement. 
I would like my money from the gap cancellation in the amount that is stated on my XXXX account of {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
In XX/XX/XXXX, I disputed a {$1600.00} debt that Columbia Debt Recovery claims I owe from a former XXXX apartment lease. I lawfully terminated my one-year lease at The XXXX in XXXX, under the Servicemembers Civil Relief Act ( SCRA ) because I received active-duty XXXX orders. I gave the leasing office more than XXXX  days written notice before vacating on XX/XX/XXXX. Despite this, XXXX improperly billed me for an extra month of renteffectively charging XXXX  months on a XXXX leaseand forwarded that invalid charge to Columbia Debt Recovery XXXX I requested debt validation on XX/XX/XXXX, but the company never responded and has since increased the balance to {$1900.00}. Their actions violate SCRA 3955 ( lease termination protections ), FDCPA 1692g ( b ) ( failure to validate ), and FCRA 623 ( inaccurate credit reporting ). I am requesting CFPB assistance to require the collector to cease collection, delete any tradeline, and ensure compliance with federal servicemember protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corporation is reporting a medical collection account with a balance of {$950.00} allegedly owed to XXXX XXXX XXXX. I am disputing this account because it has not been properly validated and United Revenue Corporation has not provided documentation proving they legally own or were assigned this debt.

I requested written validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) asking for proof of ownership, the original agreement, an itemized billing statement, and a complete accounting of the balance. As of this filing, I have not received any verification or response.

Additionally, this debt is several years old ( opened XX/XX/XXXX ) and continues to appear as updated on my credit reports as of XXXX, which raises concerns of re-aging and continued reporting beyond permitted time limits. 

Under the XXXX and XXXX changes implemented by XXXX, XXXX, and XXXX, paid medical debts must be removed and certain medical debts should not be reported without validation. United Revenues continued reporting and collection efforts without verification constitute violations of both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting that the CFPB require United Revenue Corporation to : Provide full and verifiable documentation proving ownership and the validity of this alleged debt ; or Immediately delete this account from all credit reports if validation can not be provided, and cease all collection activity related to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: IA

Complaint narrative:
Unfair treatment by debt collector. A debt collector apart of Williams & Fudge rejected my good faith offer of XXXX XXXXXXXX to repay a {$8700.00} tuition debt. Initially, the debt was for {$7100.00}, but Williams & Fudge added an additional {$1700.00} to my already accumulated debt putting me in further debt. After all of this, the debt collector assumed I couldnt pay my debt knowing I had made them a reasonable offer of $ XXXX and claimed to me that I had to at least pay them {$360.00} for a period of XXXX  month period without explanation. I asked them why they couldnt extend this period and they never gave me a solid reason why that was. I request validation of the debt and review of their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX Wrongful Foreclosure and loss primary residence Previously filed lawsuits and CFPB complaint XXXX and after XXXX attorneys, ( XXXX of which ended up stepping down due to fear of sanctions against their firm and one who changed from representing me to representing Wells Fargo XXXX and then direct attempts to work with Wells Fargo Home Mortgage . last contact sent me unsolicited check for {$500.00}. they claim files no longer available to them and no one has been made accountable. Check is uncashed and I, continue to ask for wrongful foreclosure based on a complete comprehensive set of hardcopy files which I, have maintained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am really disappointed and concerned because unauthorized inquiries are still listed on my credit report this morning. I refreshed my browser several times, yet they were not removed. Please review the documents I provided immediately so I can stop worrying about this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: Synovus Bank
State: MN

Complaint narrative:
I never applied for the following visa credit card account from XXXX XXXX XXXX  XXXX XXXX. The XXXX XXXX credit card account is a fraudulent account. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
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 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year> synchrony bank just up and reduced my credit limit from XXXX to XXXX. The used bs reasons because I check my credit with experian and transition. XXXX of the excuses was my mortgage not being paid fast enough. I have never been late on any of my cards and I pay them to XXXX every month. This is the third time they have done 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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/year>, XX/XX/year>, XX/XX/year>. They only sent me a statement with my name and the amount they say the debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last XXXX of XXXX : XXXX Complaint Summary : XXXX XXXX  falsely reported my account ending in XXXX as late for XXXX and XX/XX/year>. I was never late. Both payments were made and cleared before their due dates. I have screenshots and bank records confirming on-time payments. 

Details : I contacted XXXX and provided proof of timely payments, yet the false late marks remain on my credit reports with XXXX, Experian, and XXXX. This violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), requiring furnishers to report accurate information, and 611, giving consumers the right to dispute inaccurate items. 

The inaccurate late payments are damaging my credit and affecting my ability to qualify for financing. 

Requested Action : Require XXXX XXXX to fully investigate and correct this error. 

Remove all false late payment marks from XXXX  credit bureau. 

Provide written confirmation once corrected. 

Evidence Provided : Payment confirmations for XXXX and XX/XX/year> Bank statement excerpts showing payments cleared before due dates Screenshots from XXXX  payment history page

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My mortgage was purchased by Selene Finance in XX/XX/2025. I called their general support number ( XXXX ) XXXX on XX/XX/2025. I asked about the steps needed for me to recast my loan. The support agent told me they would mail me paperwork within XXXX weeks. 

I did not receive any paperwork, so on XX/XX/2025 I called the support number again. This time, the support agent told me that I actually had to email a special department to get information about recasting my loan. They told me to email " XXXX ''. Which I promptly did the same day. I provided my name, loan number, and home address. 

After a week of no response, I emailed them again asking for the same information, while also including their general customer support email address " XXXX ''. I sent that email on XX/XX/2025. Yet again, there has been no response as of XX/XX/2025. 

At this point, it seems I am being intentionally ignored. And this is frustrating because this is costing me additional interest fees on my mortgage which would be dramatically lowered when I recast my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Sunbit, Inc.
State: MN

Complaint narrative:
XXXX, XXXX, sent me a Sunbit credit card I never applied for. The credit card account was opened without my knowledge or consent. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX [ Date ] Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized XXXX  Inquiries under the Fair Credit Reporting Act ( FCRA 604, 611 ) To Whom It May Concern : I am writing to formally dispute and request the immediate removal of multiple unauthorized XXXX  inquiries appearing on my Equifax credit report. I did not XXXX  or XXXX  permission for these companies to access my credit file, nor did I initiate any credit applications with them. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ) and 611 ( a ), I request a full reinvestigation and deletion of all inquiries that can not be verified with documented proof of my written consent. 

The unauthorized inquiries are as follows : 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  Please investigate each of these inquiries and provide me with the following for each XXXX : XXXXA copy of the signed credit application or authorization form that XXXX  the company permission to access my credit file. 
XXXXThe full name, address, and contact information of the XXXX  that initiated the inquiry. 

If you can not verify these inquiries with documented proof of my consent, please delete them from my Equifax credit report immediately, as required by law. 

Attached are copies of my government-issued ID, proof of address, and a copy of my credit report highlighting the disputed inquiries. 

Thank you for your prompt attention to this matter. Please send written confirmation of the results of your reinvestigation to my address listed above within the XXXX period required under FCRA 611 . 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Kriya Capital, LLC
State: NY

Complaint narrative:
This complaint is about a collection account that was already removed from my credit report but was later re-reported under a different collection company XXXX Credence Resource Management , LLC ). 

The alleged debt originally appeared under XXXX XXXX for XXXX and was deleted from my report in XX/XX/year> after I disputed it. Now, Credence Resource Management has re-reported the same XXXXXXXX  account, which is duplicate and inaccurate reporting. 

I requested validation of this debt. XXXX  only provided a generic XXXX bill, but no signed contract, no proof of assignment, and no itemized statement showing how they calculated the balance. 

This does not qualify as legal validation under the Fair Debt Collection Practices Act ( FDCPA ), and the continued reporting of this unverified debt violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this collection account be immediately deleted from XXXX  credit bureaus ( XXXX, XXXX, and XXXX  ) because it remains unverified and inaccurate.

Company response to consumer: Closed with non-monetary relief