vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/year> I contacted Navy Federal Credit Union to activate the XXXX XXXX XXXX XXXX XXXX XXXX  ) on my own checking account only. At that time, XXXX  was mistakenly applied to my brother XXXX 's account as well. I am listed only as a cosigner on his account, which means I do not have legal authority to make changes or authorize services on his behalf. Therefore, XXXX  could not have been legally activated on his account without his express consent, which was never given. 

XX/XX/year> Funds were improperly removed from my account to cover overdraft. After speaking with a representative, the error was identified : XXXX  had been mistakenly activated on his account without his consent. The representative returned the funds and corrected the error by turning off XXXX  on his account. 

XX/XX/year> I was informed that while XXXX  was now turned off, my name could not be removed as cosigner from his account because of a balance on his account. 

XX/XX/year> Funds were again removed from my account to cover XXXX overdraft, but they were returned after I spoke with another supervisor in the Overdraft Department, who reviewed the mistake and corrected it by refunding the funds. 

XX/XX/year> Funds totaling {$420.00} were removed from my account to cover XXXX overdraft and were not returned. I spoke with several representatives, and one informed me that a supervisor had reviewed the case and denied my refund request. I was never contacted directly by leadership despite requesting a callback. 

XX/XX/year> I received a vague written response in the secure message center that did not clearly address my dispute. I replied asking for confirmation, interpreting it as a denial. Navy Federal has not responded further.

Complaint Summary Navy Federal Credit Union improperly enrolled my brother 's account in XXXX  on XX/XX/year>, when I had only authorized enrollment on my own account. As a cosigner without authority to make changes on his account, I could not have legally consented to XXXX  being applied to his account.

This error led to multiple instances of Navy Federal removing funds from my account to cover overdrafts on his account. While some funds were reimbursed in XXXX, Navy Federal has refused to return {$420.00} taken on XX/XX/year>. Their refusal is based on the account being over 70 days in overdraft, but that liability exists only because of Navy Federals mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

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 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Victim of Data Security Breach : XXXX  XXXX, XXXX  XXXX XXXX, TransUnion, LLC. 
15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) I, XXXX XXXX, North Carolina Consumer, has been impacted by Equifax and other data breaches and declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct : This letter serves as a final demand notice of intent to pursue litigation for the ongoing and willful violation of my federally protected consumer rights. TransUnion LLC has unlawfully reinserted accounts onto my consumer credit report without proper validation or compliance with the applicable statutory requirements. The accounts in question are : a ) XXXX  # XXXX XXXX {$5200.00} b ) XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX {$4500.00} c ) XXXX XXXX XXXX : XXXX # XXXX Opened XXXX {$3.00} d ) XXXX XXXX XXXX : XXXX # XXXX Opened XXXX {$2200.00} The accounts have been reported or reinserted without supporting documentation, including legal proof of indebtedness, a contractual agreement, or evidence of a permissible purpose as required by federal consumer protection laws. 

Violations of Federal and State Law : 1. Unlawful Reinsertion of Deleted Accounts a ) Statute : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) b ) Violation : TransUnion LLC reinserted previously deleted accounts without providing the required written notice within five business days, in direct violation of the Fair Credit Reporting Act ( FCRA ).

c ) Case Law : Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ).

2. Failure to Provide Debt Validation a ) Statute : 15 U.S.C. 1692g ( b ) ( FDCPA ) b ) Violation : Despite repeated requests, neither TransUnion LLC nor the furnishers have provided the legally required documentation validating these debts, including a contract bearing my wet-ink signature or verifiable identity documentation.

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 2025-09-26 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: NC

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  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2025 at XXXX XXXX, I received a message from an individual I do not personally know stating that XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) from XXXX, XXXX XXXX XXXX ( XXXX ) had personally come to my place of employment and requested that I contact him for a personal matter. 

XXXX XXXX has never contacted me directly at my phone number. His only contact was by showing up at that location and using a third party to pass a message to me. I do not work at that specific branch. This conduct embarrassed and humiliated me. 

After receiving that message, I called XXXX myself. The representative I spoke with was extremely rude, stated that a XXXX XXXXXXXX payment plan would not be good enough, and pressured me to take money out of my XXXXXXXX XXXX XXXX XXXX retirement account to pay the balance in full. 

I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ), including the prohibitions on contacting third parties ( 15 U.S.C. 1692c ( b ) ), communicating at a consumers place of employment ( 15 U.S.C. 1692c ( a ) ( 3 ) ), and using harassment or abusive tactics ( 15 U.S.C. 1692d ).

I am a XXXX  mother of two and would like to resolve this debt in good faith. I am requesting that XXXX stop contacting me or my workplace and agree to reduce my current balance from {$7000.00} to {$2000.00} and allow me to pay that {$2000.00} in XXXX XXXX  monthly installments until paid in full, with all terms provided to me in writing.

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 2025-09-26 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-26 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Through cash app I requested payment of XXXX $ request approved cash app didnt send it. Contacted support they said to cancel payment and resend I did still no payment stating sender never accepted which he did in front of me both times. Told third time to cancel and resend which I just did. One excuse is sender ( my son in law ) didnt have the funds but I saw his balance and he did then they said he never accepted which I saw him accept request then their excuse was he didnt use PIN code which never prompted to do so. Too many excuses but the fact remains they stole my XXXX $! This is stressing both of us out. I need this fixed, I need help! Son in law made complaint with cash app they didnt know why it didnt go through was supposed to send him resolution email and never did this has been going on for weeks! How many others are they stealing from!!! I just want my XXXX thats owed to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-26 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: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX ac # XXXX XXXXXXXX XXXX XXXXXXXX ac # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: GA

Complaint narrative:
Due to a couple work injuries and unjust treatment from insurance reps, I was caused me debt, chronic unemployment, and resulted in unusual hardship / unstable housing, prior to injury had a thriving credit score/history of early payments. I am still in recovery mode and had to enroll in school to take out student loans to prevent homelessness, due to the above issue. 

I sent a letter to all bureaus and card customers service emails requesting a pardon for my debt and clearance of history any items on record and those that went to collections please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Original Creditor : XXXX XXXX XXXX  Sold to : Resurgent/LVNV Funding LLC . 
Account # : XXXX Resurgent Ref # : XXXX I've tried numerous times that this account is fraudulent. I live in a multi-dwelling apartment unit with unsecured mailboxes and I have been the victim of fraud as a result. 

The balance of {$780.00} ( {$830.00} including court and lawyer fees ) is being pursued legally in a Wage Garnishment request from the XXXX XXXX XXXX ( Case Docket XXXX : XXXX ) - dispute my numerous attempts to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I noticed a credit on my escrow account. I called Mr. Cooper XX/XX/XXXX and was told that a check they issued XX/XX/XXXX was never cashed ( which I never received or was notified ) was reapplied to my escrow account. I asked if it could be issued towards a payment and was told that wasn't allowed. They advised a check would be reissued and to expect it in 7-10 business days. XX/XX/XXXX I called Mr. Cooper because I never received the replacement check. I was advised that it was denied on XX/XX/XXXX and that I would need to wait until XXXX for another assessment of my account to see if they will reissue the refund. No communication of the denial was sent to me. A second assessment should not be required since it was already completed in XXXX. This is no longer Mr. Cooper funds and needs to be reissued immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-26 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit report shows two late payments reported by Chase Card Services ( account ending in XXXX ) in XX/XX/year> and XX/XX/year>. At the time, I was XXXX overseas under government orders, with limited ability to manage my accounts due to restricted communications and operational demands. 

As soon as I returned from XXXX, I corrected the account and paid the balance in full. Since then, I have maintained all of my Chase accounts in excellent standing, including checking, savings, brokerage, CDs, and credit products. 

Despite this, the derogatory marks from XX/XX/year> and XX/XX/year> remain on my credit reports. These late payments were directly tied to XXXX hardship and do not reflect my normal payment behavior or overall creditworthiness. 

I requested that Chase review and provide documentation verifying these notations in light of my XXXX, but no documentation has been provided. Reporting these lates as-is is misleading, unfair, and inconsistent with the Fair Credit Reporting Acts accuracy requirements ( 15 U.S.C. 1681e and 1681s-2 ). It also conflicts with the intent of protections afforded to servicemembers under the Servicemembers Civil Relief Act ( SCRA ).

I am requesting that Chase either provide full documentation verifying the continued accuracy of these late-payment notations or, preferably, remove the XX/XX/year> and XX/XX/year> derogatory entries from all credit bureau XXXX XXXX

Company response to consumer: Closed with explanation