vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The problem is not the amount withdrawn the problem is that the product was never delivered and the bank improperly denied my dispute. 

I am filing this complaint because Navy Federal Credit Union denied my credit card dispute for a charge of {$600.00} for a XXXX purchased from XXXX on XX/XX/year>, despite clear evidence that the item was never delivered and that the merchant and carrier have not provided valid proof of delivery. XXXX and its delivery carrier, XXXX, claims the package was delivered on XX/XX/year> I filed a dispute with XXXX XXXX after XXXX refused to issue a refund, even though XXXX marked the package as delivered without a signature, without a delivery photo, without GPS confirmation, and without any named recipient. I provided Navy Federal with written statements from my mailroom staff confirming the package was never received, along with screenshots and the XXXX proof of delivery which contains no actual proof.

Navy Federal denied my dispute based solely on the merchants statement and the XXXX tracking page, despite having evidence from me showing the package was not delivered. Navy Federal did not conduct a reasonable investigation, as required under the Fair Credit Billing Act ( 15 U.S. Code 1666 ).

The proof of delivery XXXX provided is a basic internal scan and does not meet industry standards for delivery verification of high-value items. There is no signature, no photo, no confirmation of who received the package, and no geolocation metadata. The bank did not address or acknowledge this lack of proof in their denial letter.

I am requesting that the CFPB require Navy Federal to reopen the dispute, properly review the evidence I submitted, and comply with the Fair Credit Billing Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, CA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
On or about XX/XX/year> and XX/XX/year> there were two fraudulent inquiries from XXXX XXXX Card Services that appeared on my credit reports across all three major credit reporting agencies : TransUnion, Experian, and Equifax. I noticed them after I received an alert from one of my monitoring services. After the first inquiry on XX/XX/year>, I called them, and two of the three companies had them deleted. TransUnion was the only company that had a protocol which required written documentation to be mailed in. I ended up doing just that. Unfortunately, it is still under investigation. So, I am requesting that the inquiry mentioned above be deleted ASAP. Secondly, the fraudulent inquiry that showed up on my credit reports on XX/XX/year> was from the same creditor, XXXX XXXX. In turn, I followed the same protocol with the credit reporting agencies, and I got a similar result, except that Equifax and TransUnion did not delete the fraudulent inquiry. I am requesting that these companies remove the inquiry from each of my credit reports mentioned above ( Equifax and TransUnion. Your utmost attention to this issue will be greatly appreciated! 
Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against AMERICAN EXPRESS a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
AMERICAN EXPRESS XXXX & AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am infuriated by the flagrant violation of my consumer rights through the dissemination of grossly inaccurate information. Fair treatment and immediate accountability for their failures in upholding accuracy and compliance are non-negotiable demands. 
The audacity to provide an erroneous credit report is beyond infuriating, considering the supposed adherence to the FCRA and relevant data field formatting standards. I demand an expedited response with a meticulously documented, unquestionably truthful account of evidence for each claim. Failure to promptly rectify false accounts will result in severe consequences, as I refuse to tolerate the financial repercussions caused by your negligent actions. 
MIDLAND CRED - XXXX MIDLAND CRED - XXXX MIDLAND CRED - XXXX MIDLAND CRED - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am submitting this formal complaint because my credit reports are currently showing multiple inaccurate and unverified items, including wrong addresses, unauthorized collection accounts, and questionable inquiries. These errors are causing significant and unjust harm to my credit profile. 

Inaccurate Personal Information : The following addresses are being falsely reported and have no association with me whatsoever : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at these addresses and demand they be permanently removed from all consumer reporting agency records.

Unverified Collection Accounts : The following collection accounts are being reported without any notice, verification, or proof of contractual obligation. I have no knowledge of these accounts, and none of these collectors have ever provided validation as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} These accounts were never authorized by me. They are being reported without my consent and without any substantiating evidence of a valid debt. The furnishers have failed to comply with FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ), which require accurate reporting and verification of debt upon request. I am requesting immediate deletion of these accounts from all credit reports maintained by XXXX, XXXX, and TransUnion.

Unauthorized Hard Inquiries : The following inquiries were made without my authorization or permissible purpose under FCRA 604 ( a ) : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit or authorize these entities to access my consumer reports. These unauthorized inquiries must be investigated and deleted immediately.

Requested Action : I am requesting that the CFPB investigate these violations and compel the involved furnishers and credit reporting agencies to : Delete all unverified collection accounts.

Remove the incorrect addresses listed above.

Delete all unauthorized hard inquiries.

Provide written confirmation of the corrections once complete.

These inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). I expect full compliance and resolution within the time frame allowed by law.

Thank you for your immediate attention to this matter.

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 2025-11-03 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$450.00} Date Opened:XXXX Date Reported:XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-11-03 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$450.00} Date Opened:XXXX Date Reported:XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-11-03 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am submitting this letter to formally dispute several inaccurately reported items appearing on my credit report. These entries include charge-offs, a bankruptcy-related public record, and an inquiry associated with a disputed account. Upon review, these accounts contain discrepancies, incomplete information, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Court XXXX XXXX Bankruptcy XXXX Reference XXXX XXXX XXXX XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: TX

Complaint narrative:
XX/XX/year> : To Whom It XXXX Concern, Please find enclosed my * * formal consumer complaint * * against * * XXXX XXXX a Division of MidFirst Bank * *, regarding their mishandling of my mortgage modification request, including : - Failure to respond to my application dating back to * * XX/XX/year> * * ; - Unilateral termination on XX/XX/year>, of a documented and notarized by a XXXX  authorized agent, XXXX XXXX XXXX on * * XX/XX/year> * * ; - Improper removal of my XXXX representative ( XXXX XXXX XXXX XXXX - And initiation of foreclosure threats by XXXX despite my full compliance, above and beyond, through the whole process. 

Although XXXX issued an online Trial Payment Plan through XXXX website, which I immediately signed and accepted on * * XX/XX/year> * *, and also sent them an email with the full XXXX document, signed and as requested by XXXX. I want to submit this complaint due to their history of misrepresentation and XXXX. Unless properly documented and monitored, I fear this trial plan may become another tool they use to delay or subvert fair resolution as they tried with my previous agreement. 

Enclosed you will find : - Formal complaint letter with timeline and incident summary ; - Relevant evidence/documentation ( labeled as XXXX XXXX ) ; - This cover letter. 

Thank you for protecting consumers like my family and me, who have tried every ethical approach to preserve homeownership. 

Sincerely, 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting materially false charge-off data in violation of the FCRA. XXXX XXXX dated XX/XX/XXXX admits : The account was charged off on XX/XX/XXXX and The Bank reported the account past due to the Credit Reporting Agencies. Yet my Experian tradeline shows repeated CO ( charge-off ) entries and a {$4400.00} past-due balance every month through XX/XX/XXXX. XXXX balance history also lists an account activity date of XX/XX/XXXX, which is the original delinquency evidence on file. 

These facts create XXXX contradictory problems : XXXX. XXXX admitted charge-off date ( XX/XX/XXXX ) and Experians monthly CO updates XXXX XX/XX/XXXX amount to illegal re-aging and ongoing re-reporting in violation of FCRA 623 ( a ) ( 5 ) and 605 ( a ) ( 4 ). 
XXXX. Experian reflects activity tied to XX/XX/XXXX as the original delinquency date, which conflicts with XXXX stated charge-off timeline and shows furnishers failed to produce consistent DOFD documentation and accurate reporting as required by 623 and 611. 

XXXX XX/XX/XXXX response refused deletion and claims reporting was accurate, but it provides only internal statements and no original DOFD or documentation reconciling these dates. The bank also failed to correct the tradeline following my disputes and my prior CFPB complaint ( XXXX ) which was later marked duplicate.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting materially false charge-off data in violation of the FCRA. XXXX XXXX dated XX/XX/XXXX admits : The account was charged off on XX/XX/XXXX and The Bank reported the account past due to the XXXX XXXX XXXX. Yet my XXXX tradeline shows repeated CO ( charge-off ) entries and a {$4400.00} past-due balance every month through XX/XX/XXXX. XXXX balance history also lists an account activity date of XX/XX/XXXX, which is the original delinquency evidence on file. 

These facts create XXXX contradictory problems : XXXX. XXXX admitted charge-off date ( XX/XX/XXXX ) and Experians monthly CO updates XXXX XX/XX/XXXX amount to illegal re-aging and ongoing re-reporting in violation of FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). 
XXXX. Experian reflects activity tied to XX/XX/XXXX as the original delinquency date, which conflicts with XXXX stated charge-off timeline and shows furnishers failed to produce consistent DOFD documentation and accurate reporting as required by XXXX and XXXX. 

XXXX XX/XX/XXXX response refused deletion and claims reporting was accurate, but it provides only internal statements and no original DOFD or documentation reconciling these dates. The bank also failed to correct the tradeline following my disputes and my prior CFPB complaint ( XXXX ) which was later marked duplicate.

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 2025-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
There was a 360 XXXX account with Captial One opened in my name fraudulently using my identity and email. it was closed XX/XX/2024 and was opened earlier that year. The poeple using the account ordered various items online and sent money to other accounts through XXXX ( in my name ) using Bit Coin for some of the XXXX transactions and a fraudulent XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI ) To recieve the items and possobly the card to the account if not my old address ( my old address was used to set up cellphone accounts and prepaid checking accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX Subject : Cease Communication Notice under 15 U.S.C. 1692c ( c ) Dear LVNV Funding I am writing in reference to your attempts to collect a debt that you claim I owe. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me about this alleged debt.

Please note that this request includes all forms of communication, including but not limited to telephone calls, text messages, emails, and letters.

You may contact me only for the following reasons permitted by law : To confirm that you will stop contacting me ; To notify me that you may take a specific legal action ; or To notify me that you intend to take a specific legal action.

Be advised that any further communication beyond what is legally allowed will be documented and may constitute a violation of the Fair Debt Collection Practices Act.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Cease Communication Notice under 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX, I am writing in reference to your attempts to collect a debt that you claim I owe. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me about this alleged debt. 

Please note that this request includes all forms of communication, including but not limited to telephone calls, text messages, emails, and letters. 

You may contact me only for the following reasons permitted by law : To confirm that you will stop contacting me ; To notify me that you may take a specific legal action ; or To notify me that you intend to take a specific legal action. 

Be advised that any further communication beyond what is legally allowed will be documented and may constitute a violation of the Fair Debt Collection Practices Act. 

Thank you for your cooperation. 

Sincerely, 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 2025-11-03 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: AL

Complaint narrative:
Even though the balance has been cleared, the report still reflects late remarks.

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