vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear XXXX Department, I am writing to formally dispute a credit card account that was opened in my name without my knowledge or authorization. 

Account Information ( if available ) : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I did not apply for, authorize, or benefit from this account. I believe this account is the result of identity theft or fraud. I first became aware of this issue on XX/XX/XXXX, after reviewing my credit report or receiving notice from your company. 

I request that you : 1. Immediately investigate this fraudulent account 2. Close or remove the account from my record 3. Remove any charges, balances, or negative reporting associated with it 4. Provide written confirmation once the investigation is complete I am prepared to provide supporting documentation, including proof of identity, a fraud affidavit, and a police or identity theft report if required. Please inform me of any additional steps needed to resolve this matter. 

Thank you for your prompt attention to this serious issue. I look forward to your written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I was shocked to discover an unauthorized fraudulent inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and on my report it says I received a loan from cash net usa. I never applied for loan nor did I ever receive a loan from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is sent in response to your recent communication regarding an alleged debt.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide : 1.The amount of the alleged debt, including an itemized breakdown of any charges.

2.The name of the original creditor.

3.Documentation establishing a legal obligation to pay this debt.

4.Proof that you are authorized to collect this debt.

5.The date of the alleged default and the date of last payment.

During the validation period, all collection activity must cease, including reporting or verifying this debt with any consumer reporting agency. 

This letter is not an acknowledgment or acceptance of the debt, nor is it a refusal to pay. It is a request for verification only. 

Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am submitting a formal complaint regarding Regional Finance 's failure to repond to my repeated disputes concerning canceled insurance and collateral documentation. 
Timeline of dispute : XXXX/2025- First dispute submitted regarding canceled insurance and collateral proof. 
XXXX/2025- Following up letter, second dispute submitted, no response recieived. 
XXXXXXXX2025- Third dispute submitted via certified mail, including escalation notice that failure to respond would prompt regulatory complaint. 
As of XX/XX/2025 I have received no response or acknowledgment. 
I have attached copies of all dispute letters, certified mail receipts and relevant collateral/ insurance documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Product : Credit Card Issue : Unauthorized transactions/ fraud Company : Navy Federal Credit Union I am filing a complaint regarding Navy Federal Credit Unions denial of my debit card fraud claim.

Between XX/XX/year>, unauthorized transactions were made at XXXX XXXX and XXXX at XXXX XXXX  I did not authorize these charges and did not receive any merchandise. 

The card used was expired at the time of the transactions and never left my possession. I also had the replacement card with me, which was never activated. 

During the time of the transactions, I was physically present in the XXXX XXXX with my XXXX child, and I provided Navy Federal with documentation proving my location. 

I have never shared my card or card information, and no one had permission to use it. 

Despite providing proof and meeting all criteria for unauthorized debit card transactions under Regulation E, Navy Federal denied my claim.

I am requesting that this matter be reviewed, the claim reopened, and the unauthorized funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Albert Corporation
State: WI

Complaint narrative:
Product : Prepaid card / Debit card Company : XXXX XXXX Related merchant : Albert ( XXXX, XXXX XXXX XXXX  ) What happened On XXXX XXXX XXXX a {$58.00} debit card transaction posted to my XXXX account from Albert ( XXXX ). 

The transaction posted as a XXXX XXXX : Signature purchase, including a Visa Acquirer ID ( XXXX ). This confirms the charge was processed through the XXXX network, not XXXX and not an internal account transfer. 

I did not authorize Albert to initiate a debit card transaction, nor did I provide debit card credentials for this charge. I did not approve, confirm, or initiate this transaction in the Albert app or anywhere else. 

Albert is attempting to characterize this transaction as an authorized advance repayment or internal transfer. That claim is factually inconsistent with the transaction classification. Internal transfers or XXXX repayments do not settle as XXXX signature debit purchases and do not generate XXXX acquirer IDs. 



Why this is a problem This was a XXXX signature debit card transaction, not XXXX. 
I did not authorize debit card use. 
XXXX is required under Regulation E to : Properly investigate unauthorized debit card transactions Provide provisional credit when applicable Base its decision on the actual transaction type, not the merchants characterization Treating this as an authorized transfer despite clear Visa network evidence violates Reg E error-resolution requirements. 



Additional details/ evidence Pending authorization on XX/XX/25 showed a generic merchant hold Final posted transaction on XX/XX/25 clearly states Debit : Signature purchase Merchant descriptor : Albert / XXXX / XXXX XXXX XXXX XXXX  Acquirer ID present ( not possible with ACH or internal transfers )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DE

Complaint narrative:
I am a federal student loan borrower pursuing Public Service Loan Forgiveness ( PSLF ). My loans were placed into an administrative forbearance related to federal litigation. 

In XX/XX/year>, I contacted MOHELA and requested removal of the forbearance so I could continue making PSLF-qualifying payments. 

MOHELA confirmed the request but has failed to act for several months. 

MOHELA representatives have given inconsistent guidance, including advising me to make voluntary payments that may not qualify for PSLF, while leaving my loans in forbearance. I have done this, but have no idea whether these payments will be honored or if I am completely wasting money. Whether or not I pay, I've been informed that interest will keep accruing. 

This delay is causing concrete financial harm by preventing required monthly payments from counting toward PSLF, extending my forgiveness timeline through no fault of my own. 

I am requesting supervisory review, written justification for the continued forbearance, and immediate corrective action

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XXXX XXXX I made a purchase for {$210.00} at XXXX to use my Citi XXXX XXXX XXXX XXXX. As of XXXX XX/XX/year> I have not received the benefit. 

At the time, Citi said to wait XXXX statement cycles and it would credit. On XXXX XXXX, following the second statement cycle, the card had still not credited so I chatted with citi to fix it. They said I had to call but verified but card was eligible and the benefit was activated at the time. 

They called me back on XXXX XXXX to say that despite having the Citi XXXX card and the benefit being activated, that I was ineligible because it takes XXXX days to process... Nowhere in the terms and conditions does it say that you can only receive your credit card benefits XXXX days after receiving it. That is also nonsensical. I have it in my possession, the benefit shows it was activated. That is false advertising or misleading at best. 

Further, they ignore the fact that similar Bestbuy purchases of {$25.00} on XXXX XXXX and {$10.00} on XXXX XXXX have yet to credit. So I am STILL not receiving my splurge credit as dictated in the card 's terms and conditions. 

Please manually credit me the {$200.00} splurge credit for my activated and eligible use of the card benefits ascribed to the Citi XXXX XXXX card.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THIS ACCOUNT WAS OPENED IN FRAUD BY MY SON WHO LIVES IN MY HOMES. HOWEVER, HE PASSED AWAY AND APPLIED FOR THIS ACCOUNT. I AGREED TO PAY THE ACCOUNT BUT WAS NEVER LATE IN XX/XX/year>.

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 2025-12-27 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: DC

Complaint narrative:
There is a fraudulent collections account from XXXX XXXX XXXX on my credit report. This is not my debt. I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and police report. See attached. I request to remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX {$300.00} from ATM and machine never dispensed my cash. ATM located in a XXXX XXXX  operated by XXXX  on behalf of XXXXXXXX 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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An online dispute was completed on the WellsFargo online banking application for an unauthorized purchase on XX/XX/year> by the merchant XXXX for {$250.00}. Claim number XXXX. In the dispute the claimant mentioned book purchases made from my WellsFargo debit card to clarify what products were authorized and purchased from the merchant, XXXX. The ON-DEMAND WEBINAR {$250.00} purchase was unauthorized. Instead of WellsFargo investigating the legitimacy of the unauthorized purchase, WellsFargo reversed the {$250.00} credit on the bases that the transaction or unauthorized purchase WAS NOT A DUPLICATE. WellsFargo disregarded that the transaction was unauthorized and no goods or services were received for {$250.00}. WellsFargo either confused the matter or misunderstood the bases of the dispute. To clarify : I am asking for a refund of {$250.00} for the unauthorized transaction asap. 

Thank You, 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 2025-12-27 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: MA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CLAYTON AUTOS, INC
State: MS

Complaint narrative:
The company CC Finance have on my credit that Im late and behind on payments for a vehicle I no longer have in my possession.

Company response to consumer: Untimely response