vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: AZ

Complaint narrative:
XXXX XXXX has continued to re-age the account to push the date of 1st delinquency forward every month. I have provided evidence via past credit reports that show the date of 1st delinquency as being XXXX of XXXX. Beginning in late XXXX XXXX XXXX began changing the dates to be XXXX, then XXXX, then XXXX and most recently to XX/XX/XXXX. I have provided evidence that the information the reported from XXXX to XXXX remained the same until the reaging began. This issue relates to equifax. Both experian and transunion have both removed this account. 

This also apply to the XXXX  XXXX XXXX account. Both transunion and experian have both removed these accounts. My last payment to XXXX  XXXX XXXX was XX/XX/XXXX, a year later I made a payment that did not bring the account current and they are now reporting that the date of XXXX delinquency is XX/XX/XXXX rather than the true date of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: 21ST MORTGAGE CORP.
State: AR

Complaint narrative:
I applied for a XXXX XXXX loan. I was buying a mobile home to put on my property to rent to my daughter. I am XXXX  XXXX  age XXXX with a credit score of XXXX. I am still employed as a college professor. I have been living in my mortgaged home prior to XXXX. I have only 3 credit accounts. My car ; my home and my solar panels. My federal retirement pays for my house note. I also noted in my application that I have substantial cash and other assets. Note : I did not include my husband on the application because he has not worked in 5 years and had recently was awarded ssdi, but we will receive his first monthly payment in XXXX of this year. 

The finance company called prior to the denial and talked to me about my debts and I answered their questions. They never asked if I wanted to put more money down or if I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union for mishandling a debit card fraud claim and unfairly reversing funds that were initially reimbursed.

Timeline & Summary of Events : On XX/XX/XXXX, I discovered a suspicious transaction on my account for {$83.00} from a merchant labeled : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. At the same time, another unauthorized transaction from XXXX XXXXl for {$36.00} appeared. I immediately contacted Navy Federal and reported both transactions as fraudulent.

Following my report, Navy Federal canceled my debit card and issued a replacement. They initially refunded the disputed amount back into my account, acknowledging the fraud claim.However, on XX/XX/XXXX, I received a message stating that, following a " thorough investigation, '' Navy Federal had reversed the reimbursement, claiming that " no error has occurred. '' This decision was made despite the fact that I had acted promptly and responsibly. I did everything expected of a member whose card data was compromised : I reported the fraud on the same day, cooperated fully with Navy Federals process, replaced my card immediately, and prevented further unauthorized charges. Most notably, additional fraudulent XXXX charges occurred after the card was frozenindicating that the original card data had been stolen and was being actively misused by a third party.

Unfair Burden of Proof : In their message dated XX/XX/XXXX, Navy Federal invited me to request a second review ( which I completed ) that required that I answer a list of detailed questions, including : -- Why do you believe your claim should be honored?

-- Was the card in your possession or stolen?

-- If the card was still in your possession, how do you think the information was obtained?

-- Did you authorize the charge, or did you receive merchandise?

These questions strongly imply that Navy Federal does not stand by its members during fraud incidents unless they can provide absolute proofdespite clear evidence that fraudulent activity continued even after my card was deactivated.

I have never before filed a fraud claim with Navy Federal since becoming a member in XXXX. This experience has left me feeling unsupported and vulnerable as a consumer. The decision to revoke the credited amount is both unjust and dismissive of the facts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
Hello, I recently checked my credit report and noticed that there is a collection account listed in my name that is reported as being more than six ( 6 ) years old. I am requesting validation of this account in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To ensure the accuracy of this information, please provide : 1. The total amount of the debt, with an itemized statement of fees, interest, or charges.

2. The name and address of the original creditor.

3. Documentation ( such as a copy of a signed agreement ) that proves I am legally responsible for this debt.

4. Proof that your company is licensed and authorized to collect debts in New Jersey.

5. The date of first delinquency as reported by the original creditor.

Please note that under New Jersey law, the statute of limitations for most debts is six ( 6 ) years. Additionally, under the Fair Credit Reporting Act ( FCRA ), negative items generally can not remain on a credit report beyond seven ( 7 ) years from the date of first delinquency. If this debt is beyond the allowable reporting or collection period, I respectfully request that it be removed from my credit file and that you cease all collection activities.

This is not a refusal to pay, but a request for proper validation and compliance with state and federal laws. Until such validation is provided, please stop all collection efforts and refrain from reporting this account to any credit bureaus.

Thank you for your attention to this matter. I look forward to your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year> a person, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, applied for a Chase credit card using my information as the billing address with shipping address as noted above. I do not know this man and did not authorize him to apply for this in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been a Chase customer for nearly nine years and currently have three credit card accounts totaling about {$13000.00}. Over the years, Chase repeatedly approved credit limits far beyond what I could reasonably afford, which contributed to long-term financial hardship.

Despite paying thousands of dollars in interest over this period, Ive tried to resolve these accounts responsibly by offering a lump-sum settlement to pay them off.

When I contacted Chase multiple times, including speaking with supervisors, I requested : A reasonable lump-sum settlement for all three accounts together.

Information on hardship or interest-free repayment programs to manage these balances responsibly.

Chase refused to offer any meaningful hardship options and demanded nearly 90 % of the balance as a settlement, which is unrealistic given my situation.

I am requesting CFPB assistance to ensure that Chase : Reviews my accounts through their executive resolution team.

Provides a reasonable combined lump-sum settlement. Considers placing me into a hardship or interest-free repayment program while negotiations are pending.

Im not trying to avoid repayment. I am trying to resolve this debt in good faith and move forward on a stronger financial foundation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
Account # XXXX Scheels Credit Card by FNBO was opened fraudulently and transaction occurred fraudulently causing an impact to my credit. I have submitted dispute letters to both the FNBO and the credit card company. 

FNBO has not taking action and poor service, and I have exhausted all efforts. 

This is a fraudulent account I have completed a police report and took action to get this removed from my credit report. 

I resubmitted a written dispute to all 3-credit bureau with all actions and supporting documents. 

Please assist me in disputing and removing permanently from my 3 credit reports.

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 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TN

Complaint narrative:
I am disputing multiple items on my credit report due to potential identity theft, unauthorized reporting, or unverified debts : 1XXXX XXXX / First Credit Services {$190.00} I canceled my membership at the beginning of 2024. This account is being reported to collections without verification. Reporting unverified debt violates the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ). I request it be removed until properly validated.

2.XXXX XXXX  XXXX XXXX XXXX XXXX {$820.00} I do not owe this amount. It is being reported without verification, which is a violation of the FDCPA and FCRA. Remove this account until validation is provided. 
3.XXXX  XXXX XXXX late payments The reported late payments are inaccurate and unverified. Reporting them violates the FCRA. I request investigation and removal. 
4.XXXX  / XXXX XXXX XXXX late payments The reported late payments are inaccurate and unverified. Reporting them violates the FCRA. I request correction or removal. 
5.XXXX  XXXX charge-off This account is under an active payment agreement, and I am paying XXXX directly. The charge-off reporting is therefore inaccurate and must be deleted immediately. 

I request that all items listed above be investigated as potentially fraudulent or unverified, validated, and removed from my credit report until proper documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
My account was closed sometime in XXXX this year due to violating a policy I was unaware about. The policy in violation was that I had deposits coming in made out to my XXXX, and Chime does not allow deposits made to businesses. I asked how I would be receiving my funds, which total around {$3000.00}, and they informed me that I would receive a check in the mail within a month. It has now been 3 months and I have still not received my funds. Additionally, I had an instant loan with them of {$500.00}, and they will not allow me to pay it off. I asked if I could send a check, electronically transfer the money, etc., and they told me I would not be able to pay it off unless I had an open account with them. I then tried to get my account reopened, and they denied me. So, they will not allow me to pay off this loan that I have the funds for, which is negatively impacting my credit score, and they will not give me any of my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/year>, I pulled my Experian credit report and found multiple accounts still being reported with inaccurate or unverifiable information despite prior disputes and mailed letters directly to Experian. 

On XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I mailed dispute letters to Experian, providing tracking information and requesting reinvestigation, verification of accounts, and deletion of unverifiable data. Experian received my letters but has failed to correct the reporting and continues to publish inaccurate information. 

Examples from my XX/XX/year> Experian report : XXXX marked Paid, Closed, {$2200.00} written off but still shows consecutive months as charge-off, even after closure, which suggests re-aging or inconsistent reporting. 
XXXX shows Account charged off with a {$190.00} balance past due as of XX/XX/year>, yet notes Account previously in dispute investigation complete. Negative reporting continues without proper verification. 
XXXX XXXX XXXX listed as charged off with {$4600.00} past due as of XX/XX/year>, also marked Completed investigation of FCRA dispute consumer disagrees, but Experian continues to report it as negative. 
XXXX XXXX XXXX XXXX XXXX with late and charge-off sequences that do not align month-to-month. 

I requested a reasonable reinvestigation and the full method of verification under the Fair Credit Reporting Act. Specifically, I asked Experian to provide original creditor records, payment histories, and the date of first delinquency used for reporting. Instead, Experian continues to report negative information without resolving inconsistencies, despite multiple dispute letters. 

This is a violation of FCRA 1681e ( b ), 1681i, and 1681s-2 ( a ). In addition, under 12 CFR 1016.7 and 15 U.S.C. 6802, I am exercising my opt-out rights and revoking any consent verbal, written, implied, or otherwise for Experian to disclose or continue reporting my nonpublic personal information without my authorization.

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 2025-08-23 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1881i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, 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 shalli ) 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. 
Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: USCB Corporation
State: GA

Complaint narrative:
To Whom It May Concern : I am contacting you regarding the account listed below USBC {$1500.00} which you have reported to the credit reporting agencies. I dispute the validity of this alleged debt in its entirety and request full validation. This is a formal dispute of the debts accuracy under FCRA 611 ( 15 U.S.C. 1681i ) and a request for validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ). According to federal law, you must : Provide validation of the debt including the name of the original creditor, the original account number, itemized statement of the alleged amount, and proof that I am legally obligated to pay. Cease all collection activity, including reporting this debt to credit reporting agencies, until you provide proper validation. Notify the credit reporting agencies that this account is disputed. If you can not verify this debt within the timeframe allowed by law, you must immediately : Cease all collection activity, and Remove this account from all credit reports with Experian, Equifax, and TransUnion. Please provide your response in writing to the address listed above. I am keeping records of all correspondence for documentation purposes.

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 2025-08-23 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: GA

Complaint narrative:
Sent to XXXX : emailed XX/XX/XXXX last spk to XXXX XX/XX/XXXX from XX/XX/XXXX. Hi you have misled me as a consumer along with XXXX. Today I see {$880.00} due XX/XX/XXXX just paid total {$1200.00} + yet XXXX already deferred months before XXXX XXXX and your system is still charging pymt thats deferred thats an error that needs to be fixed I spoke to him yesterday on consumer relations. He is my go too from XXXX billing. Therefore, I wasnt told that when I made pymt and ask to place it towards my principle that the system will assume that XXXX not made a pymt! Or when you receive a pymt from an XXXX source that your system mark it was a refund not a pymt and it automatically goes on principle. This is misleading as a consumer unfair & unknown practices with XXXX. So I filed today a complaint against your practices more to come. By the way, I have a recording from speaking with XXXX as you record our conversations that I am official XXXX mos behind ( which was apart of the deferment ) not XXXX mos as experian has reported in my history on the credit file. This is unlawfully or in error per your system misleading consumers as a whole.Other bureaus have reported different figures as well and they all need to say the same thing. XXXX trying to get a house through XXXX. 

XXXX XXXX XXXX when I do email you XXXX said that you dont communicate via email but send out automatic emails or do you use only by mail and text. Weird Plus the XXXX XXXX XXXX working from XX/XX/XXXX layoff under DOE XXXX MUSK CX THE XXXX. I GET XXXX AND YOU HAVE NO CLUE AS BC HAVE BEEN INFORMED UP TO DATE. But you fail to change the bill from bi to monthly yet on my cr file it says monthly owing more than whats owed. On my portal the balance says I owe XXXX thats for the deferment its not owed it shld be on the back of the loan? Correct to go on now you show XXXX due XX/XX/XXXX when I just paid XXXX on XXXX and XXXX yet XXXX said that went toward months in deferment! So IS MY LOAN IN A HONEST DEFERMENT OR EXTENSION BECAUSE ON THE PORTAL IT SHOWS AN Extend for XXXX ONLY WHEN XXXX JUST SAID HE DID THE DEE-FERMENT FOR PART XXXX IDK I PAID XXXX ( the pymts I paid I ask for them to go to principal which no one told me that it will cause the syst to read non paid ) it will show reverse on the portal only and XXXX XXXX DEFERED BUT I TOLD XXXX IT ONLY XXXX ON THE PORTAL EXTENSION and on CREDIT FILE IT DOESNT SHOW THAT AT ALL!

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 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
There was a fraudulent charge made on XX/XX/year> of {$220.00}. From the statement balance all the charges ( correct ones ) were made in PA and then there is the fraud charge made from Florida. This is clearly an unauthorized charge and I have repeatedly called American express to rectify this issue but they have simply turned me away. This has been a completely frustrating experience. In addition, american express dispute team deceptively assumed that I had given the card when I had NOT!

Company response to consumer: Closed with explanation