vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy federal stole XXXX from my account. did not give new accounts heads up, email, call or anything. they took the money without my permission that is fraudulent. I asked them to return the money to me as it was in there for my rent which I can not pay now and will face eviction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

This specifically concerns the following negative and closed accounts, which I do not recognize and do not recall authorizing : XXXX XXXX / XXXX Account ending in XXXX, reported as charged-off and closed by credit grantor. 
XXXXXXXX XXXX XXXX  XXXX Account ending in XXXX, reported as charged-off. 
XXXX / XXXX Account ending in XXXX, reported as charged-off. 
XXXX XXXX XXXX ( XXXX ) Accounts ending in XXXX and XXXX, both reported as charged-off. 
XXXX / XXXX Account ending in XXXX, reported as charged-off. 
XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX, reported as charged-off. 
XXXX XXXX XXXX Account ending in XXXX, reported as placed for collection. 
U.S. Department of Education ( XXXX XXXX ) Account ending in XXXX, reported as paid collection/closed. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information. 
2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA. 

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute.

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 2025-08-26 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: NJ

Complaint narrative:
My account with DOEXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DOE/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: LEXISNEXIS
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX LexisNexis Risk Solutions Attn : Consumer Center XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear LexisNexis XXXX Department, XXXX XXXX XXXX to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws. 

The following item is being reported inaccurately and/or without proper verification : Public Record Type : Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/XXXX Case Number : XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.

No Consumer Reporting Authorization : The U.S. Bankruptcy Court does not report bankruptcies to LexisNexis or any credit reporting agency, nor do they authorize you to collect and disseminate this information.

Potential Violation of FCRA 607 ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed.

Violation of FCRA 611 : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record. 

My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within 30 days of receipt of this letter. 

Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court. 

If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.

Please note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to dispute the reporting status of certain charge-off accounts currently appearing on my credit report. These accounts are listed as Profit and Loss Write-Off or Charge-Off. However, no IRS Form 1099-C has ever been issued to me, which is required by IRS regulations when a debt of {$600.00} or more is forgiven or canceled. Without the issuance of Form 1099-C, the debt has not been officially canceled, and continued reporting of a charge-off without active collection activity is misleading and damaging to my credit profile.

Please remove the following charge-off account that are inaccurately reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} Additionally, I am requesting the removal of unauthorized credit inquiries that have appeared on my file. Pursuant to FCRA 619 ( 15 U.S.C. 1681q ), no credit inquiry may be made without a permissible purpose. If you can not provide documentation demonstrating that these inquiries were authorized by me or permissible under law, they must be deleted immediately. 
Inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to dispute the reporting status of certain charge-off accounts currently appearing on my credit report. These accounts are listed as Profit and Loss Write-Off or Charge-Off. However, no IRS Form 1099-C has ever been issued to me, which is required by IRS regulations when a debt of {$600.00} or more is forgiven or canceled. Without the issuance of Form 1099-C, the debt has not been officially canceled, and continued reporting of a charge-off without active collection activity is misleading and damaging to my credit profile.

Please remove the following charge-off account that are inaccurately reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} Additionally, I am requesting the removal of unauthorized credit inquiries that have appeared on my file. Pursuant to FCRA 619 ( 15 U.S.C. 1681q ), no credit inquiry may be made without a permissible purpose. If you can not provide documentation demonstrating that these inquiries were authorized by me or permissible under law, they must be deleted immediately. 
Inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES GREENVILLE, SC XXXX Re : Cease and Desist Account No. [ Insert Account Number if Known ] To Whom It May Concern, I am writing in regard to the above-referenced account. I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which requires that you cease all communication with me regarding this debt. 

Effective immediately, you are to stop all contact with me, including but not limited to : Phone calls to my home, work, or mobile phone Letters, emails, or text messages Contacting family, friends, or employers about this matter If you believe I owe a valid debt, you may only contact me once more in writing to either confirm that you will cease further contact, or to notify me of any specific legal action you intend to take. 

Failure to comply with this request is a violation of federal law and will be documented as such. I will not hesitate to report violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 

This letter is not to be construed as an acknowledgment of the debt, nor as a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GU

Complaint narrative:
In XX/XX/year>2025, I began using SumUps services ( through XXXX XXXX  XXXX to accept customer payments, ultimately accumulating {$400.00} in my account. Initially, SumUp allowed me access to their system and processed payments without issue. However, soon after, they unexpectedly declined my account for onboardingafter I had already used the platform for legitimate business transactions.

Following that decision, they enforced a four-month holding period on the funds I had collected, which I complied with. After patiently waiting, I requested a payout in XXXX  2025. 

I am the sole owner of the business associated with the account, and I explicitly requested that the payout check be made in my personal namenot the business namebecause the business was no longer active, and keeping it in good standing for the sake of one check would cost more than the check itself.

Despite my clear request, SumUp issued the check to the business name, effectively making it unusable for deposit, and when I followed up asking them to reissue the check in my name ( as the rightful owner ), they refused. Their team claimed they are " unable '' to issue the check under a different nameeven though Ive provided documentation to prove I am the authorized owner and beneficiary of the funds.

Ive made multiple good-faith efforts to resolve this directly with them but have been met with rigid, inconsistent policies and dismissive responses. They have now placed the burden entirely on me despite their mishandling of the onboarding, payout, and identification process.

Their actions have caused an unreasonable delay in access to my rightful earnings and reflect a lack of transparency and accountability in their customer service and compliance processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed for XXXX XXXX Bankruptcy. I included all outstanding debt including my home mortgage with Carrington Mortgage Services. The Bankruptcy was discharged on XX/XX/XXXXXXXX XXXX From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Carrington Mortgage Services had my pay history being reported on my XXXX Credit Report as " Unknown ''. On XX/XX/XXXX, after a year and four months had passed from when I filed for Bankruptcy all of a sudden Carrington Mortgage Services decides to report to XXXX  Credit that I was 30, 60, and 90 days late back on XXXX, XXXX XXXX XXXX XXXX XXXX, causing my credit score to drop XXXX points. My business relationship with Carrington Mortgage Services ended once my Bankruptcy was XXXX on XX/XX/XXXXXXXX Under the Bankruptcy Protection Laws, A CREDITOR CAN NOT REPORT THE DEBT AS LATE OR DELINQUENT AFTER THE BANKRUPTCY FILING DATE. The discharge in a bankruptcy acts as a permanent injunction against creditors from attempting to collect on the discharge debts. What Carrington Mortgage Services did is a clear violation under the Bankruptcy Protection Laws. They had no right to report I was late after I filed for bankruptcy. On top of that they came back after a year, and four months had passed to report negative information on my XXXX  Credit Report on a discharged debt. Is this how Carrington Mortgage Services treats its XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/year> SSN : * -- XXXX XXXX To : CBE Group XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, IA XXXX Re : Unlawful Collection Reporting CBE Group Account # : XXXX | Amount : {$690.00} NOTICE OF DEMAND FOR IMMEDIATE CEASE & DELETION This is a formal demand that you cease all collection activity and delete any reporting of the above account from all consumer reporting agencies due to violations of federal law : 12 CFR 1006.34 ( c ) ( Reg F ) requires complete, accurate, itemized validation ( current creditor, breakdown of amount, date ( s ) of service, and documents sufficient for me to determine the debts validity ). A bill or statement is not legal validation. Provide the original signed contract/authorization, full itemization, and chain of assignment ( if applicable ).

12 CFR 1005.6 ( c ) ( EFTA ) limits consumer liability for unauthorized/erroneous transactions. Until you provide itemized proof that any charges were authorized and properly posted, further collection or reporting is unlawful.

15 U.S.C. 1681e ( b ) ( FCRA ) requires maximum possible accuracy. Reporting unverifiable or incomplete data violates this standard.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting information they know or should know is inaccurate. If you can not substantiate this debt as required, you must immediately retract and request deletion of any tradeline furnished. 
DEMANDS Provide full validation as described above within 15 days of receipt, or delete any reporting you have furnished and cease all collection efforts. 
If you verified this with a bureau, disclose who verified it, how, and with what documents. 
All future contact must be in writing only. 
Failure to comply will result in complaints to the CFPB, FTC, and the Illinois Attorney General, and I will pursue civil remedies for statutory damages for violations of the FCRA and FDCPA. 
This is not a refusal to pay ; it is a notice that your claim is disputed. Until you provide lawful validation, you are barred from further collection or reporting. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: VA

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-08-26 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:
The credit reporting agencies are willfully violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) by reporting a false child support obligation that does not belong to me. I have provided clear court documentation showing that no such arrears exist, yet the agencies continue to publish inaccurate and damaging information. This failure violates 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( duty to conduct a reasonable reinvestigation ). By ignoring legally binding court orders and maintaining false support data, the agencies are acting with reckless disregard for accuracy, causing me financial and reputational harm. I am demanding immediate deletion of this inaccurate reporting and full compliance with federal 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Client Services , Inc regarding a disputed debt allegedly related to a XXXX XXXX  credit card. Client Services , Inc has failed to provide proper validation of the debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. Despite my formal written request, they have not produced any original contract bearing my signature, no chain of title, and no accounting records proving legal ownership or standing. Furthermore, the debt is inaccurately reported by XXXX XXXX. to Experian, TransUnion and Equifax as still active, without being marked as charged-off or transferred, in direct violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA. These inaccuracies are materially misleading and harmful.

Company response to consumer: Closed with explanation