vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : XXXX A copy of my government issued photo Identification : XXXX An identity theft report from the FTC : XXXX proof of address. XXXX XXXX account # XXXX {$1500.00}, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX {$5600.00}. Please confirm the account name, number has been blocked and deleted in ( XXXX ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely 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 2025-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
I believe that I received incorrect information from my loan service provider and was not notified of changes to my loan status through my customer portal on EdFinancial Services. On XX/XX/year> I was notified that my loans were in deferment. Then on XX/XX/year> I was told they were in forbearance. As of today, XX/XX/year> I can see that my loans are back in deferment. I was never notified of this change that my loans were changed from " forbearance '' to " deferment. '' Because of that lack of documentation from my loan servicer, I acted on the incorrect information I was given, and made payments in deferment and from what I understand those will not count toward PSLF. I spoke to an agent with my loan service provider today on XX/XX/year>, and she gave me conflicting information from records that were reflected in my customer service portal. She also admitted that some of the documentation or email sent to me might include " wrong wording '' which I find egregious and a fault of the provider. I have attached a screenshot of our conversation on the loan servicer chat that reflects her comments and how they conflict with the record of correspondence in my customer service portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because TransUnion, Equifax, and Experian are reporting information that is inaccurate, incomplete, and/or unverifiable, and they have failed to properly investigate my disputes as required under the Fair Credit Reporting Act ( FCRA ). 
I submitted disputes to each credit bureau regarding inaccurate information on my credit file. The bureaus either : Verified the information without providing any method of verification ; Failed to conduct a reasonable investigation ; Continued reporting information that can not be validated ; or Failed to remove or correct the disputed information within the required time period. 
Under the FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Under FCRA 611 ( 15 U.S.C. 1681i ), if a consumer disputes information, the bureau must : Conduct a reasonable investigation, Delete or correct any information that can not be verified, Provide the consumer with the results, and Complete the process within 30 days.

Under FCRA ( 15 U.S.C 1681b ), A consumer reporting agency may only furnish a consumer report under specific legally allowed purposes. A CRA may provide a report when the consumer authorizes it in writing.

If the furnisher or bureau can not verify the information, it must be deleted. Continuing to report unverifiable information is a violation of the FCRA.

The disputed information being reported about me is inaccurate and has not been validated, yet the bureaus continue to report it. I am requesting CFPB assistance to require TransUnion, Equifax, and Experian to comply with FCRA requirements, properly investigate the dispute, and remove any inaccurate, incomplete, or unverifiable information. 

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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I recently made XXXX transactions on XXXX using XXXX ( which was paid through Wells Fargo/XXXX credit card ). For each of these transactions I was charged a {$10.00} ( or 5 % if transaction amount above {$200.00} ) as a Cash Advance Fee. I did not take any cash advance from either Wells Fargo, XXXX or XXXX for any of the transactions. I have been using the same method of payment for the past XXXX  months but suddenly I get hit with this fee following these XXXX transactions. Below are the XXXX transactions that were made along with the dates and the cash advance fees charged : XXXX XXXX XXXX XXXX XXXX XXXX  {$10.00} Posting date XX/XX/XXXX CASH ADVANCE FEE XX/XX/XXXX {$10.00} Posting date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$210.00} Posting date XX/XX/XXXX CASH ADVANCE FEE XX/XX/XXXX {$10.00} Posting date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12.00} Posting date XX/XX/XXXX CASH ADVANCE FEE XX/XX/XXXX {$10.00} Posting date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$150.00} Posting date XX/XX/XXXX CASH ADVANCE FEE XX/XX/XXXX {$10.00} Posting date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$17.00} Posting date XX/XX/XXXX CASH ADVANCE FEE XX/XX/XXXX {$10.00} Posting date XX/XX/XXXX I called Wells Fargo, they said I need to contact XXXX. So then I contacted XXXX and they said it is not from their end and I need to call Wells Fargo. I contacted Wells Fargo again, they investigated for a bit and said the transactions are coded as cash advance and if not XXXX, I need to contact XXXX. So I contacted XXXX and they said this has nothing to do with them because they only get what paid the final transaction amount. So who is creating this issue? I never applied for any cash advance and never used it for these or any other transactions.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Statement Regarding Unauthorized Charges and Improper Claim Denial Navy Federal Credit Union I am submitting this statement regarding multiple unauthorized debit card charges that were made on my Navy Federal Credit Union account, totaling over {$1100.00}. As soon as I discovered the fraudulent activity, I immediately reported the charges to Navy Federal, canceled my compromised card, and contacted the merchant involved. 

Despite following proper procedures, Navy Federal denied my claim instantly, without conducting a proper investigation or reviewing the evidence. After this denial, I contacted the merchant directly. The merchant conducted their own compliance review and investigation and confirmed in writing that the transactions were the result of unauthorized activity and fraud. Their email states clearly that the charges were not made by me and that Navy Federal should issue the appropriate reversals and reimbursements.

Upon receiving this confirmation from the merchant, I contacted Navy Federal again and requested that my claim be reopened. I provided the bank with a copy of the merchants findings. Instead of addressing the evidence, Navy Federal representatives were extremely rude and dismissive. To date, they have still refused to return the funds or properly investigate the matter.

My account has now been drained of over {$1100.00} due to fraudulent activity that I did not authorize, and Navy Federal has failed to follow the appropriate dispute and investigation procedures required under federal regulations, including Regulation E of the Electronic Fund Transfer Act. I am requesting an immediate reopening of my dispute, a full investigation, and reimbursement for all unauthorized charges as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: MN

Complaint narrative:
May I get a proper collection letter pertaining to any balance I owe on any past account ( s ) to any company that assigned said collections to you. I would like to resolve any issues with your company as soon as possible. Please send to me a persons name and phone number so that I can make a call to start the process. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting a collection account for XXXX XXXX on my credit report, but I was never notified about this debt, never sent any required notices, and have never received any of the documentation required under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). I have disputed this account for well over XXXX  days, yet I have not received a single validation letter, billing statement, notice of collection, verification of ownership, or any explanation of how this account was placed for collection. 
I was never notified that this debt existed prior to it appearing on my credit report. Under FDCPA 809 ( a ), debt collectors are required to send a written notice within five days of first contact that includes the amount of the debt, the name of the original creditor, and my right to dispute the debt within 30 days. I did not receive any initial communication, any validation notice, or any follow-up communication regarding this debt before it was reported to the credit bureaus. This is a direct violation of federal law. 
I disputed the account, and more than 90 days have passed. I have not received any of the documentation required to verify a collection account under the FDCPA, FCRA, or Metro-2 guidelines. To legally verify a collection, the collector must provide : Written validation of the debt ( FDCPA 809 ( a ) ) ; Proof of the original creditor and account ownership ; Chain of title/assignment documentation ; Proof the debt is legally collectible ; The full account history, including charges and payments ; The date of first delinquency ( DOFD ) from the original creditor ; Documentation showing how the balance was calculated ; Notice of placement for collections ; Notice that the account would be reported to the credit bureaus. 
I have not received any of these required documents. Instead, XXXX XXXX placed the collection directly on my credit report without notifying me, without validating the debt, and without responding to my disputes. This violates FDCPA 807, 808, and 809, as well as FCRA 602, 607 ( b ), and 611 ( a ). 
The account also contains reporting discrepancies across the credit bureaus, and none of the required supporting records have been provided despite repeated disputes and more than XXXX  days passing. A collector can not legally report or continue reporting a debt that has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
May I get a proper collection letter pertaining to any balance I owe on any past account ( s ) to any company that assigned said collections to you. I would like to resolve any issues with your company as soon as possible. Please send to me a persons name and phone number so that I can make a call to start the process. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am sending this complaint to Equifax regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: WA

Complaint narrative:
I do not recognize these accounts and they must be taken off within 15 days pursuant to USC 1681g.

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 2025-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime taking money from me XXXX  I had XXXX ; XXXX dollar in my account after chime return my stolen money on XX/XX/XXXX or XXXX after they return my funds I request to close my account because I dont feel my money saving with this company.I receive the refund and its only XXXX my saving was XXXX before I even move my XXXX there thats was return to me from being stole .So how I end up with only XXXX of my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Experian Information Solutions Inc.
State: VA

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 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 2025-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
XXXX have notice from Mohela XXXX XXXX XXXX received with IRS tax verification. 

XXXX {$580.00} deducted from my bank without my authorization or knowledge or payment plan review summary XXXX XXXX contacted XXXX XXXX XXXX  submit Regulation E Dispute XXXX contacted Mohela to tell me how my bank was deducted without notice to me and no notice of plan that I am on for repayment XXXX Mohela is now processing XXXX XXXX XXXX XXXX  but my questions is how did the XXXX plan not get processed and then they just zap {$580.00} from my bank?? Mohela no explanation and they won't refund my money? I want my money returned to me in 15 days and I asked Mohela to do that they told me NO. 

XXXX I had Mohela remove auth deduct and place account in foberance and I again submitted Income Based plan with my tax information XXXX I have not received information about XXXX for the years XXXX XXXX and XXXX. I want those years counted. 

XXXX can't get Mohela to confirm I am on track for XXXX payment to have XXXX  year student loan completed.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
After discovering the late-payment entry, I immediately contacted Bank of America . They instructed me to pay the full outstanding balance and confirmed they would submit a goodwill adjustment request to remove the late payment from my credit report. I fulfilled the payment that same night. I communicated with multiple representativesXXXX  on XX/XX/year> ; XXXX on XX/XX/year> ; and XXXX on XX/XX/XXXX, XXXX of whom assured me deletion letters would be sent to the XXXX major credit bureaus. Despite this, the late payment remains on my 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 2025-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: NV

Complaint narrative:
This complaint concerns XXXX  and ProCollect Inc. 

I have disputed a collection account reported by ProCollect with XXXX  multiple times under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The debt allegedly originates from a former rental property.

I have repeatedly requested validation of the debt from ProCollect under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The only response I received was a copy of the lease agreement and a generic breakdown of charges. No supporting documentation proving the debt is valid, accurate, or legally enforceable was ever provided. 

Despite this, XXXX  continues to report the tradeline without marking it as disputed and refuses to remove it. ProCollect continues furnishing unverified information in violation of 15 U.S.C. 1681s-2 ( b ). 

I am requesting that the CFPB require both ProCollect and XXXX  to provide full verification documentation or remove the tradeline entirely. 

I have documentation of my written dispute letters, certified mail receipts, and XXXX  form responses, all showing noncompliance with FCRA and FDCPA requirements.

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