vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been a Navy Federal Credit Union member for many years. Recently, I became a victim of identity theft when an unknown individual opened a prepaid account using my information and gained unauthorized access to my Navy Federal Credit Union account, resulting in unauthorized transfers. Upon discovering this, I immediately filed a claim with Navy Federal Credit Union. 

On XX/XX/year>, I received a denial letter stating no error had occurred based on account activity. After a follow-up call, a second denial letter was issued on XX/XX/year>. As of today, I have just been re-sent a copy of the denial letter. 

Concerned about the situation, I sought assistance from XXXX. On XX/XX/XXXX, XXXX representative XXXX joined a call with Navy Federal regarding my 609 ( e ) document request and the investigation findings. Navy Federal informed us they would not comply with the 609 ( e ) request received on XX/XX/year>, because it was not submitted through their online portal. This refusal contradicts the denial letter, which states I may communicate via phone, secure message, or mail.

When we escalated the matter, I spoke with a supervisor named XXXX, who was more focused on directing me to file a complaint against XXXX with the XXXX  than assisting with my request for information. She also stated that XXXX is responsible for refunding my funds, which raises concerns about the security of my accounts with Navy Federal.

I am seeking assistance to effectively communicate with Navy Federal Credit Union to ensure they comply with my right to the requested information as affirmed in their denial letter, which they are currently refusing to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I am disputing a collection from KLS Financial Services that is reporting a balance of {$3400.00} from XXXX XXXX at XXXX. I have never received a valid contract with my name, signature, or any evidence of liability for this alleged debt. 

Ive already sent multiple disputes to the credit bureaus and requested verification from KLS directly with no valid response. No signed lease, application, or proof of responsibility has been provided only generic billing printouts. 

This account is harming my credit and I am requesting full deletion due to failure to provide proper validation under the Fair Credit Reporting Act and FDCPA. 

Please investigate and remove this account immediately if the company can not provide legally sufficient validation.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting a full investigation and immediate correction of inaccurate and unlawful credit reporting by TransUnion, Equifax, Experian, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and my prior loan servicers. 

In addition to the accounts that were included in my bankruptcy, there are also loan accounts that were not properly discharged or updated after my bankruptcy filing. These loans continue to appear on my credit report as open, active, or delinquent, even though they should have been closed, forgiven, or removed according to my post-bankruptcy financial status and account resolutions. 

I am requesting the following actions : 1. Immediate deletion or correction of all accounts that were either discharged in bankruptcy or should have been closed or forgiven under bankruptcy and post-discharge reporting laws. 
2. Removal of all negative payment history, delinquent remarks, and collection notations tied to these accounts. 
3. Written verification from each credit bureau and creditor confirming completion of these corrections.

4. A full review ensuring all accounts comply with the Fair Credit Reporting Act ( FCRA ), the U.S. Bankruptcy Code, and applicable loan discharge and reporting guidelines.

5. Permanent prevention of any future re-reporting of these inaccurate accounts. 

The continued appearance of these loans and discharged debts causes measurable harm to my credit profile and violates my rights under federal law. I am demanding immediate resolution and removal of all inaccurate entries, or I will escalate this matter for enforcement 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 non-monetary relief
Consumer complaint received 2025-10-24 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: OH

Complaint narrative:
I am requesting a full investigation and immediate correction of inaccurate and unlawful credit reporting by TransUnion, Equifax, Experian, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and my prior loan servicers. 

In addition to the accounts that were included in my bankruptcy, there are also loan accounts that were not properly discharged or updated after my bankruptcy filing. These loans continue to appear on my credit report as open, active, or delinquent, even though they should have been closed, forgiven, or removed according to my post-bankruptcy financial status and account resolutions. 

I am requesting the following actions : 1. Immediate deletion or correction of all accounts that were either discharged in bankruptcy or should have been closed or forgiven under bankruptcy and post-discharge reporting laws. 
2. Removal of all negative payment history, delinquent remarks, and collection notations tied to these accounts. 
3. Written verification from each credit bureau and creditor confirming completion of these corrections.

4. A full review ensuring all accounts comply with the Fair Credit Reporting Act ( FCRA ), the U.S. Bankruptcy Code, and applicable loan discharge and reporting guidelines.

5. Permanent prevention of any future re-reporting of these inaccurate accounts. 

The continued appearance of these loans and discharged debts causes measurable harm to my credit profile and violates my rights under federal law. I am demanding immediate resolution and removal of all inaccurate entries, or I will escalate this matter for enforcement 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 2025-10-24 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:
This letter constitutes my formal dispute under FCRA 611 ( a ). A tradeline being reported on my TransUnion file contains inaccurate and unverifiable information : High Credit : {$6300.00} Past Due : {$6300.00} Date Last Active : XX/XX/year> Comments : Charged-off account Late History : 30-day ( 1 ), 60-day ( 1 ), 90-day ( 18 ) The data furnished for this account is factually inconsistent, unverifiable, and misleading. The accounts delinquency timeline, balance, and charge-off status conflict with XXXX guidelines XXXX violating : FCRA 602 ( a ) Failure to assure accurate and fair reporting.

FCRA 607 ( b ) Negligence in maintaining maximum possible accuracy.

FCRA 611 ( a ) Obligation to reinvestigate and verify disputed data.

FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate.

FCRA 623 ( a ) ( 2 ) Failure to correct or delete after dispute.

FACTA 609 ( e ) Failure to validate identity and account legitimacy.

GLBA 501 ( b ) Negligent data security and unauthorized dissemination.

FCRA 616617 Civil liability for willful or negligent non-compliance.

I demand immediate reinvestigation and deletion of this account unless the original creditor provides verifiable, documented evidence of its accuracy. Written confirmation of the results must be sent to me within 30 days per federal 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 2025-10-24 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$200.00} at the Truist ATM at XXXX XXXX XXXX XXXX XXXX, NC XXXX. The ATM did not dispense any cash but my account was debited. Bank staff ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) admitted the ATM has been malfunctioning and serviced multiple times over the previous 5 days but said they were not allowed to mark it out of order. Truist later denied my Regulation E claim citing good dispense. I did not receive funds.

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 monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am disputing a charge of {$640.00} from XXXX XXXX XXXX XXXX on XX/XX/year> which I prepaid through a required reservation fee. During the meal, multiple live cockroaches were present in the restaurant, creating an unsafe and unsanitary environment. I immediately reported this to the restaurant staff, who acknowledged the issue. 

While I was not able to photograph the incident myself due to the unsafe conditions and needing to leave immediately, there are public accounts documenting similar issues at this restaurant. For example, a XXXX review posted 9 months ago shows photographs of a live roach on a customers plate. This demonstrates that the unsanitary conditions I experienced are part of a documented pattern of health and safety violations. I am attaching photos of the other customer 's XXXX review so you can see a documented example of the restaurant 's cockroach problem. 

I contacted American Express to dispute the charge, explaining that this was a health and safety issue, not a matter of preference or dissatisfaction. The Amex representative refused to assist in the dispute, insisting I provide photographic proof which was not feasible or appropriate in the moment. Even after explaining that this was a service failure, the representative refused escalation or review by a senior specialist.

This is a clear case where a cardholder was harmed by both the merchants misrepresentation and the credit card companys failure to protect its member.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Second Formal Dispute Failure to Conduct a Proper Investigation and Data Security Breach ( Fair Credit Reporting Act FCRA ) To Whom It May Concern : I am writing to formally dispute your handling of my previous credit dispute regarding inaccurate debt collectorrelated information and charge-off accounts listed on my TransUnion credit report. I previously received a response from your office stating that the information had been verified and found to be accurate. However, TransUnion failed to conduct a proper and reasonable investigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

After receiving your response, I contacted the debt collector directly. They confirmed that they did not report any such debt collector information to your agency. This means your verification was not based on an original source or valid documentation. Therefore, the disputed information remains unverified and inaccurate, and it must be deleted or corrected immediately. 

Furthermore, it has been publicly reported that TransUnion recently experienced a data breach, compromising consumer information. Given this breach, the accuracy and integrity of the data you maintain are now in serious question. Continuing to verify or report information that can not be substantiated or properly sourced constitutes a willful violation of the FCRA. 

Under the Fair Credit Reporting Act, TransUnion is legally required to : Conduct a reasonable reinvestigation of any disputed information ; Contact the original source of the data to confirm its accuracy ; and Delete or correct any information that can not be verified. 

Because you did not fulfill these obligations and due to the data integrity concerns stemming from the breach, I demand that you : Reopen my dispute and conduct a full and proper reinvestigation ; Provide written documentation identifying the exact source used to verify the disputed information ; Remove or correct all inaccurate debt collector and charge-off information immediately ; and Provide a corrected copy of my TransUnion credit report reflecting the updates. 

If you fail to properly investigate or correct this matter within 30 days of receiving this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may consider legal action to enforce my rights under federal law. 

Enclosed are copies of correspondence with the debt collector confirming they did not furnish the disputed information, as well as a copy of your previous verified response for reference. 

Please confirm receipt of this letter and notify me of the results of your reinvestigation in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : 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 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 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 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 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 explanation
Consumer complaint received 2025-10-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I brought my mother-in-laws vehicle to XXXX XXXX in XXXX XXXX NY for its annual inspection, as I do every year at this location. During the inspection, the owner XXXX XXXX XXXX came out and mentioned that the oil was about 3 years overdue and suggested changing it " soon. '' I responded with Oh wow, okay, and he went back inside. He never once asked if I wanted the oil change done that day. He never stated a price, never confirmed anything, and there was no authorization at all for that service. 

I had planned to get the oil changed at a later date when my mother-in-law had the money to pay for it. Roughly XXXX minutes later, I was presented with a {$91.00} bill for the inspection and oil change. I was completely shocked and told them I had never agreed to the oil change. XXXX claimed I said Yeah, go ahead, which I absolutely did not. I had both my wife and son with me and was very clear that no permission had been given. 

When I pushed back, XXXX walked away mid-discussion and left the woman at the counter to complete the transaction. I was put in an uncomfortable position and felt forced to pay under pressure. My mother-in-law paid {$30.00} toward the bill, and I paid {$61.00}, money I did not have to spare. 

I immediately contacted Chase Bank to dispute the charge. I explained the situation in full, but they told me there was nothing they could do because I tapped my card and the service was considered rendered. This left me feeling completely helpless. 

I then filed a formal XXXX  complaint ( ID # XXXX ) with all the details, including receipts and a screenshot of a text message from my wife to her mother stating she needed an oil change and her mother replied OK but not today. This shows the clear intention that we were going to wait. The business was given 14 days to respond and never did. 

XXXX  XXXX has no email, no website, and no way to formally contact them. Ive exhausted all options and am now turning to the CFPB to ask for a proper review of this situation. I believe this is a serious consumer protection issue. The charge was unauthorized, and Chase failed to protect me as a customer. 

I am requesting : A refund of the {$61.00} charged to my Chase account A formal investigation into this business practice Review of Chases denial of the dispute despite my full explanation and evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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