vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: OK

Complaint narrative:
I am filing this formal complaint against XXXX XXXX for multiple violations regarding account # XXXX  : XXXX. Impossible Charge-Off Timeline The report shows " Charge Off as of XX/XX/XXXX to XX/XX/XXXX '' - a backward date range that can not exist, violating FCRA 623 ( a ) ( 1 ) ( B ). 

XXXX. Missing Payment History Data The payment history shows " ND '' ( No Data ) for all months in XXXX, then suddenly reports charge-offs starting XXXX without transition, violating FCRA 607 ( b ) completeness requirements. 

XXXX. Invalid Dispute Response After my XX/XX/XXXX dispute, XXXX  marked the account " updated '' but failed to : - Correct the impossible dates - Explain their verification method ( 12 CFR 1022.43 ( f ) ) - Provide requested validation documents 4. Contradictory Status Reporting The account is marked both " charged off '' AND shows a new past due balance ( {$210.00} as of XX/XX/XXXX ), which is logically impossible for a closed account. 

XXXX. Missing Required Information XXXX failed to report : - Date of first delinquency ( FCRA 605 ( a ) ( 5 ) ) - Original creditor information - Itemization of the {$210.00} balance Requested Resolution : XXXX. Permanent deletion from XXXX credit bureaus XXXX. Written confirmation of deletion XXXX. {$1000.00} statutory damages for willful violations If unresolved in 15 days, I will escalate to : - FTC ( 15 U.S.C. 1681s ) - California Attorney General - Federal court ( FCRA 616 ) Attached : Credit report showing violations

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts represent a violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both incorrect and unlawful.

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 2025-08-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
As a protected consumer, I am fully aware of my rights under applicable law. I affirm that my request to remove all blocks is deliberate and not the result of any error. I ask that you review all submitted documentation in support of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: LA

Complaint narrative:
In XX/XX/year>, National Recovery Agency reported a fraudulent collection account for {$1500.00} to my credit report without my knowledge or authorization. I have never opened or authorized this account, nor have I had any dealings with this agency or the original creditor. I discovered this account during a credit review in XX/XX/year>. 
This is a clear case of identity theft connected to previous fraudulent accounts I recently removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 605B, XXXX XXXX XXXX XXXX are required to block this information within 4 business days of my dispute. 

I have filed an Identity Theft Report with the FTC and demand immediate removal of this account from all credit reports. Failure to comply promptly will force me to pursue further legal action to protect my rights. I request a full and thorough investigation and expect confirmation of the deletion within the legally mandated time frame.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am requesting a reinvestigation of the following account under my rights provided by the Fair Credit Reporting Act ( FCRA ) 611 : - Bank Name : XXXXXXXX XXXX XXXX - Reported Balance : {$1600.00} - Date Opened : XX/XX/year> - Account Type : Checking While your previous response included a copy of my signature on the account application, I dispute the accuracy and completeness of the information being reported. 

My dispute grounds are as follows : XXXX. The reported balance of {$1600.00} is misleading and incomplete. There is no clear documentation of how this balance was calculated, whether it includes disputed fees, overdraft charges, or transactions I did not authorize. 
XXXX. The account details are missing important context regarding closure status and resolution efforts, making the listing misleading under FCRA 607 ( b ). 
XXXX. I was not provided proper notice by XXXX XXXX XXXX  prior to this item being reported to ChexSystems, which violates both bank policy and reporting requirements. 

I am formally requesting that ChexSystems provide : XXXX. The complete transaction history from the account opening in XX/XX/year> through closure, showing all debits, credits, and fees that resulted in the {$1600.00} figure. 
XXXX. The exact method of verification used in your reinvestigation, including the name, title, and contact information of the person or department at XXXX XXXX XXXX  who verified this debt. 
XXXX. Copies of all notices allegedly sent to me before this account was reported. 

If you can not produce this information with full supporting documentation, the item must be deleted from my ChexSystems report in accordance with FCRA 611 ( a ) ( 5 ).

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 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I paid off my loan on XX/XX/XXXX. I had made an additional payment in addition to that quoted to the new mortgage company. LoanDepot is holding my money {$2900.00} and have still not refunded my money. They charged an additonal {$120.00} after the loan was paid off on XX/XX/XXXX. In additional to a charge of {$62.00} charged on XX/XX/XXXX for mortgage XXXX. I want all my excess monies to be refunded now, In addition to payoff also paid them for XXXX on XX/XX/XXXX XX/XX/year> Payment {$2300.00} Due Date XX/XX/year> Principal {$470.00} Interest {$1700.00} Escrow {$100.00} They had taken out XXXX for PMI disbursements too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Sparrow Financial, Inc.
State: VA

Complaint narrative:
XXXX CFPB complaint XXXXSince I submitted the above complaint I phoned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to a customer care representative named XXXX  for approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  corporate headquarters address is listed on their website as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOn XXXX XXXX XXXX XXXX XXXX I received an email from Sparrow stating they needed proof that I have a XXXX XXXX & that they emailed me after I requested my mailing address be changed on XXXX when I spoke to one of their OUT OF THE USA phone reps. I MADE THE CHANGE TO MY MAILING ADDRESS ON THE SPARROW APP BEFORE I SPOKE TO THIS REP on XXXX. They lied. Now they are requesting proof as they claim they already asked me for PROOF thru an email that I have a XXXX XXXX. These reps do not understand how having a XXXX XXXX in the USA works. I have had my XXXX XXXX XXXX XXXX XXXX XXXX  for almost XXXX  years. WHY DO I NEED TO PROVIDE PROOF OF THIS TO ANY CREDIT CARD COMPANY LOCATED IN XXXX XXXX OR ANYWHERE THAT I HAVE A XXXX XXXXTHE almost daily buying & selling & changing names of companies has gone too far.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I received a bank statement in the mail from XXXX XXXX  Saturday XX/XX/year>. I have never opened an account with them. This statement had my name and address on it. There are XXXX accounts, XXXX savings and XXXX checking opened by a scammed. Deposits were made from Advance America to these various accounts all dated for XX/XX/year>. All funds were paid out with XXXX transactions to XXXX payee - The XXXX XXXX XXXX. The total amount of fraud is {$8400.00}. I have contacted both the XXXX XXXX .. XXXX and Advance America and placed a freeze on my credit report. And now I am contacting you. I was told by the XXXX XXXX that I have to prove who I am in order to close the accounts and file a police report which I am in the process of doing. Advance America states that an attempt was made XXXX months ago to open an account in my name but was denied and there is no account currently open at this time. I am unable to find another company with this name at this time. Please contact and advise on what else to do in this case. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
I am filing this complaint because Equifax has failed to properly investigate and remove unauthorized hard inquiries and fraudulent collection accounts from my credit report, despite my repeated disputes under 15 U.S.C. 1681c-2 and 1681i of the FCRA.This negligence has damaged my creditworthiness and may indicate systemic non-compliance with the FCRA. I demand immediate deletion of these fraudulent items and a full investigation into Equifaxs dispute process. Police report, FTC report is attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a lapse in home owners insurance coverage with the lender, Truist.com, for XXXX hours. The lender placed forced-placed insurance on me. I understand they they have the right to cover themselves and keep that insurance in place for the gap that I missed insuanced for because of stolen mail. I've since got insurance of my own, but they led me to believe that it can not be cancelled and was in place for the life of the mortgage. 

With new learnt information, I tried to get them cancel the lender insurance by sending in proof of insurance and cancellation request, but they would now cancel the insurance as they should by law. They claim they they can not cancel the lender insurance because it's now part of the mortgage. I've tried to call them a few times but got the same response. Help.

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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I paid them off but they're charging me interest I didn't know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this letter on my own behalf. I am writing to dispute fraudulent and inaccurate information which is appearing on my credit report. I am the victim of identity theft and I have never applied for, opened, or authorized these accounts in any way : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under FCRA 605b 15 USC 1681c-2 and FCRA 611 USC 1681i these sections entitle me to have all information from identity theft blocked from my credit report within 4 business days from receipt of this dispute, to include reinvestigation within 30 days. I would like all of these fraudulent accounts reinvestigated and verified. I would also like my report updated and to be provided with a written copy, failure to do so will result in legal action.

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 2025-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
Hi, I have a student loan account with American Education Services/XXXX XXXX  XXXX They are reporting that there was a XXXX  day late payment for XXXX of XXXX  and XX/XX/year> on my student loan payments. Howver, a payment was made on those months for my student loans with AES. I also brought up with AES the favct that the country was going through the height of the XXXX pandemi during that time period and that the payment might have appeared late or have been processed and applied late because of this fact. However, AES still refused to remove the XXXX  day late payment that was reported on my credit report for these months. I am contacting you to see if you might be able to help pursuade AES to remove these late payments from my credit report. As it is the only thing negatively affecting my credit score. Thank you in advance for your help in resolving this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal Credit Union closed my account due to suspicious activity. I submitted an official appeal using their XXXX form and provided a properly executed Durable Power of Attorney ( POA ) allowing a representative to appear on my behalf ( which hasnt been approved in XXXX ). My representative appeared in person at a Navy Federal branch and followed all requirements. 

Despite this, Navy Federal denied my appeal and has continued to hold my funds. No criminal charges have been filed. They have not provided a clear written explanation for the denial, nor any timeline for the release of my funds. I am being denied access to my own money with no evidence of fraud or wrongdoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX/XXXX  lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX  XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), XXXX XXXX violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, XXXX 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case

Company response to consumer: Closed with explanation