vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: AL

Complaint narrative:
I am writing to dispute inaccurate and fraudulent information appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting that the following accounts be blocked from my consumer file as they are the result of inaccurate reporting and/or identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681c-2, consumer reporting agencies are required to block reporting of information in a consumers file that results from identity theft or inaccurate reporting when notified by the consumer, provided proper documentation is supplied. 


I am formally demanding that you : 1. Block and delete these accounts from my credit file.

2. Provide me with written confirmation that these accounts have been removed.

3. Send an updated copy of my credit report reflecting these changes. 

Failure to comply with this request may result in legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. Please respond within the timeframe required by law.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
The company is Capital One. I have never banked with Capital One. On Sunday, XX/XX/XXXX, I was researching various banks for the highest APR on their high-yield savings accounts. Capital One had one of the highest, so I began submitting my personal information to open a high-yield savings account. I did not get far because their website said I already had an existing account, which was odd because I have only ever banked with XXXX  XXXX XXXX. I called Capital One and first spoke with " XXXX, '' who could not find my information associated with my SSN and referred me to the fraud department. Since I have spoken with various people at Capital One and people at all three credit bureaus. In summary, Capital One did a soft inquiry to open a credit card with my SSN for someone else. Therefore, it does not show up on my credit score, but it is under my credit report soft inquiries. I came across this problem by CHANCE from researching banks, and now I am concerned someone is using my SSN for various things. I am still unable to open any account under Capital One due to this, and I can't fix the problem because the credit bureaus and the bank are not able to do anything. I am glad this hasn't impacted my credit score yet, but I am concerned it could! " XXXX '' from XXXX  is the last I spoke to, who informed me that my next step was to file a report with the FTC or the police. Thank you. 
As a protective measure, I have frozen all my credit reports through all three credit beaurs and have filed for intial fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ insert date ], regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am requesting that you provide validation of this debt. Please provide the following : 1. The amount of the alleged debt, including an itemized statement of fees, interest, and charges.

2. The name and address of the original creditor.

3. Proof that I am legally obligated to pay this debt ( e.g., a copy of the signed agreement or contract ).

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

5. The date the alleged debt was incurred and when the last payment was made.

Until you provide this information, you must cease all collection activities, including reporting this debt to credit reporting agencies. Please note that any attempt to collect a debt without proper validation is a violation of federal law.

This letter is not an acknowledgment or acceptance of the debt. It is a request for information and validation as provided by law. 

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union due to ongoing issues with my online and mobile banking accounts and the lack of transparency in how my concerns have been handled. 

On XX/XX/year>, I reported that my account balances were not updating correctly. The website was only partially showing transactions, and the mobile app was not showing them at all. This means I could not accurately track my spending or available funds. 

Navy Federal acknowledged the issue but provided no timeline for resolution. When I followed up on XX/XX/XXXX, I was again told that there was no set timeframe. On XX/XX/XXXX, I raised the concern that their responses felt dismissive, as we do not have a set timeframe does not give clarity or accountability. Navy Federal responded by saying they understood my frustration but still did not provide any meaningful update or commitment to resolving the issue. 

The lack of transparency and accountability here is unacceptable. Members should not be left unable to monitor their own money for an undefined period of time, nor should customer service responses minimize the seriousness of the issue. This has created unnecessary stress and financial uncertainty for me. 

I am asking the CFPB to review Navy Federals handling of this matter, specifically : Why I'm not given clear information about known system problems and expected resolution times. 

Why their customer support responses dismiss accountability rather than provide solutions or updates. 

What actions Navy Federal will take to ensure I'm not left in the dark when system errors prevent accurate access to account information.

I believe Navy Federal has failed to treat my complaint with seriousness and has not provided the transparency or accountability expected of a federally regulated financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$270000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} Both accounts are inaccurately reported and violate FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. I am formally requesting that you conduct a full reinvestigation of these accounts and correct the false late payment information to accurately reflect their true status open accounts with current balances paid as agreed and no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NV

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies appearing on my Equifax credit report, which are both misleading and harmful to my financial profile. The issues include incorrect account reporting, collections, a repossession, unauthorized inquiries, and inaccurate personal informatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Current, Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX XXXX XXXXXXXX XX/XX/year> I did not authorize this inquiry. 
XXXX, XXXX, XXXX : XXXX XXXX, XXXX, IN XXXX ( FACTUAL DATA XX/XX/year> ) This is not my current or previous address.These inaccuracies violate the Fair Credit Reporting Act ( FCRA ). Specifically:15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.15 U.S.C . 1681i ( a ) ( 1 ) gives me the right to dispute incomplete or inaccurate information and request a reinvestigation.15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from providing information they know, or should know, is inaccurate. 
These errors negatively affect my creditworthiness, expose me to potential identity confusion, and create an unfair representation of my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
Its very upsetting to check my credit report this morning and still find the same inaccurate late payments listed. Despite refreshing my browser, nothing has changed. Im asking for an immediate and thorough review of the documents Ive provided so I can stop dealing with this ongoing problem.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Its very upsetting to check my credit report this morning and still find the same inaccurate late payments listed. Despite refreshing my browser, nothing has changed. Im asking for an immediate and thorough review of the documents Ive provided so I can stop dealing with this ongoing problem.

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 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is do to forced placed XXXX  that caused a repo of my truck Wells Fargo Bank is now claiming I voluntarily surrendered my vehicle to them. I want to see the agreement that would have been signed if that was the case but it is not the case but to do a surrender the form needs to be signed and for wells Fargo To claim this in a XXXX  scam is mute to begin with. They committed fraud and I never asked to have my truck turned in. This company has learned nothing by the way they got off so easy and this has left me harmed and out lots of money.

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 2025-09-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX , DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting XXXX  XXXX Charge-Off Dear Consumer Financial Protection Bureau , I am submitting this complaint regarding inaccurate, misleading, and incomplete information being reported on my credit file by XXXX  XXXX and furnished to the credit reporting agencies. The details of the account in question are as follows : Creditor Name : XXXX  XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Status Reported : Account charged off, {$1600.00} written off, {$1600.00} past due as of XX/XX/XXXX Reported Balance : {$1600.00} On Record Until : XX/XX/XXXX I believe this reporting violates the Fair Credit Reporting Act ( FCRA ) and places an unfair burden on my creditworthiness. Specifically : 1. The account is listed as a charge-off while also showing a past-due balance of {$1600.00}. A charge-off and a past-due balance should not be reported simultaneously. Once charged off, the balance should either be reported as {$0.00} or accurately coded to reflect its closure/transfer. This dual reporting misleads lenders and damages my credit profile. 
2. The payment history shows repeated CO notations through XXXX, even though the account was already charged off as of XX/XX/XXXX. Continuing to mark payments as charged off after the official charge-off date creates duplicate derogatory entries and is inconsistent with proper reporting practices. 
3. The Date of First Delinquency ( DOFD ) appears to be inaccurately reported or re-aged. The report states this account will remain until XX/XX/XXXX, which exceeds the 7-year reporting limit allowed under FCRA 605 ( c ). This suggests unlawful re-aging, which is strictly prohibited. 

Because these reporting practices are inaccurate, misleading, and harmful, I request that the CFPB investigate this matter to ensure compliance with federal law. Specifically, I am asking that XXXX XXXX and the credit bureaus : Correct or remove the duplicate and inaccurate derogatory information.

Ensure the account is not re-aged beyond the 7-year reporting period.

Provide me with written confirmation of compliance.

I appreciate the Bureaus attention to this matter and request that this complaint be investigated thoroughly.

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 2025-09-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and fraudulent. I demand that this late payment be immediately removed from my consumer 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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
After reporting approximately {$13000.00} in fraudulent withdrawals, USAA conducted only a partial and incomplete investigation. Some charges were reversed, but others including obviously fraudulent transactions, such as XXXX charges from another state and multiple high-value withdrawals from a state I have never visited were denied without explanation. 

Instead of completing a proper investigation, USAA froze and eventually closed my entire checking account, which was my only source of funds. The freeze lasted for more than three months, during which I could not pay rent or access the money I needed to survive. 

I was XXXX  with a XXXX  XXXX XXXX during this time and was physically unable to fight through their bureaucracy. I believe USAAs actions constitute gross negligence and violate Regulation E, which requires banks to investigate unauthorized transactions promptly and fairly.

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 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: PA

Complaint narrative:
Sezzle is engaging in predatory lending activities which is crime. They removed the ability to make payments with my debit card. They want you to upload money which has a minimum of {$30.00} if my payments are less than that they want me to overpay to be able to pay, predatory. Or they want me to pay through my bank account which can take 3-5 days to come out of my account which makes the likelihood of a failed payment greater which is also PREDATORY. They are making it harder to make payments so they can collect more in fees. This is predatory. Sezzle believes they can create company policies that supersedes consumer rights and law. I have been charged several failed payment fees associated with them refusing my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> {$1000.00} XXXX XXXX XX/XX/year> {$27000.00} XXXXXXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$7500.00} XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX 
Please delete all fraudulent accounts, hard inquiries and collections off my credit file from the following 3 Credit Reporting Agencies, Experian NCAC, Equifax LLC, TransUnion LLC immediately under Consumer Law, FCRA, Federal and State Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: CT

Complaint narrative:
I am formally disputing the accuracy, completeness, and verification of the following accounts currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611, I have the right to dispute any item that I believe to be inaccurate, incomplete, or unverifiable. I am requesting a reinvestigation of the items listed below, along with a written response reflecting the results of your investigation. 
XXXX XXXX Balance : {$2000.00} XXXX  XX/XX/year>

Company response to consumer: Closed with explanation