vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I went into a NFCU branch and made a deposit yesterday with an employee of the credit Union. The deposit was a cashier 's check from XXXX XXXX in the amount of {$14000.00}. The employee told me the funds would be available the next morning. Instead of funds being available I received an email stating it would be delayed by XXXX business days because they had information that the check may not be honored. When I called and asked for specifics on this quote information ". I was told they did not have a reason nor did they have to give me a reason. They said they can hold a check anytime they want to. My concern is that institutions can arbitrarily hold checks whenever they want to for no reason and then use that money for 5 days unauthorized. They should be required to provide consumers with specific information when a hole is placed on a check. I have deposited checks larger than this in this account and never had a hold placed in this manner. Now my customers project will be delayed for a week, unnecessarily, because this check has already cleared XXXXXXXX XXXX It is my understanding that the law states they must inform me at the time of deposit if a hold is being placed on a check. They did not do this, in fact, the employee told me the funds would be available the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am making this complaint because I have not received reimbursement for fraud on my checking account. In the evening of XX/XX/year>, I noticed fraud on my checking account. XXXX checks were " washed '' in the amount of {$2800.00}. XXXX check was rejected by BMO. My account was debited {$2800.00} for the second check. On XX/XX/year> I went to the branch and my account was closed, a new account was established and a fraud report was made. I understand there are procedures and processes in place to handle these kinds of matters. However, more than 3 months plus is more than sufficient time to process a reimbursement. I need my money returned to me. I have made an official complaint by email and letter drop off to my branch on XX/XX/year>. No response has been received. I have called and emailed every couple weeks since the fraud occurred and have been told the fraud team is working on it. After all this time, I come to CPFB for assistance. Please help me get reimbursed.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Formal Dispute and Request for Deletion Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I am formally disputing the accuracy and legitimacy of the following accounts that appear on my credit report. These accounts were fraudulently opened in my name without my knowledge, consent, or authorization. 
Disputed Accounts : Mariner Finance Account opened on or about MXXXX XXXX with an alleged balance of {$4500.00}.

Action Taken : I contacted Mariner Finance by telephone and in writing to notify them that I did not authorize or open this account. No documentation proving that I entered into a valid agreement has been provided. 

XXXX XXXX Account opened on or about [ XX/XX/XXXX, with an alleged balance of [ XXXX ]. 


Legal Basis of Dispute : Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items on a consumers credit report. Likewise, pursuant to 15 U.S.C. 1681s-2, furnishers of information ( such as Mariner Finance , XXXXXXXX XXXX XXXX XXXX XXXX ) have a duty to report accurate information and to correct or delete information found to be inaccurate or unverifiable. 

Despite my good-faith efforts to resolve these matters, the furnishers of the above accounts have failed to provide any documentary evidence demonstrating that I opened or am legally responsible for these accounts. As such, the continued reporting of these accounts constitutes a violation of the FCRA, as the information is both inaccurate and unverifiable. 

Demand for Relief : I am demanding the immediate deletion of the above-referenced accounts from my credit file ( s ). If the furnishers or credit reporting agencies continue to report these fraudulent accounts without proper verification, such actions will constitute willful noncompliance with the FCRA and subject the parties involved to civil liability under 15 U.S.C. 1681n and 1681o. 

Please provide me with written confirmation once these items have been removed from my credit report, or with documentation supporting the continued reporting if any exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 1681i, the report must contain only information that is accurate, complete, and verifiable. I am requesting verification of these late payment records, and if they can not be confirmed, I ask that they be corrected or deleted.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am filing a complaint against National Recovery Agency for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

National Recovery is reporting an alleged account from XXXX XXXX XXXX XXXX XXXX ( Reference No. XXXX ). I have made multiple attempts to obtain proper validation of this alleged debt via email and certified mail, both to National Recovery and the credit bureaus. 

Despite these attempts, National Recovery has failed to provide proper validation. They only sent a generic itemized bill, which does not explain how the balance was calculated, nor does it provide proof that I am legally responsible for this debt. 

Despite failing to validate, National Recovery has continued collection activity and continues to furnish this account to the credit bureaus. This constitutes a violation of the FDCPA because : Collection activity must cease until full validation is provided. 

Furnishing unvalidated information to the credit bureaus is misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 )

requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit has been harassing me for two years over " debt ''. I have never spoke to Midland prior to the start of attempted debt collection. I have no agreement with Midland credit stating I owe them anything. They have even threaded legal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: OR

Complaint narrative:
I took out a loan from XXXX XXXX XXXX and realized after the interest rate is 387 %!!! it was only for XXXX dollars but now I can't get it paid nor keep up on the finance charges. this seems illegal in every sense of the word.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally disputing fraudulent accounts that have appeared on my credit report. I did not open, authorize, or engage with these accounts in any way. Their reporting is entirely inaccurate, misleading, and damaging, creating an incorrect portrayal of my financial history and creditworthiness.

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 2025-09-17 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: TX

Complaint narrative:
I am disputing the late payment entry appearing on my credit report, which is inconsistent with my documented payment history. This false reporting misleads creditors and unjustly diminishes my creditworthiness.

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 2025-09-17 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: TX

Complaint narrative:
These submissions were received without prior approval. Review the attachments for assessment.

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 2025-09-17 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: NJ

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 2025-09-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my credit report that I believe contain inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be verified as accurate, I request that they be removed from my 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint concerns XXXX handling of a XXXX XXXX XXXX XXXX tradeline ( account ending in XXXX ). XXXX has issued a Paid in Full Letter dated XX/XX/XXXX, confirming the account was closed and fully satisfied with a {$0.00} balance as of XX/XX/XXXX. Despite this evidence, TransUnion continues to allow the tradeline to reflect derogatory information and historical late-payment notations that materially misrepresent the account status. 

Violations include : 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete inaccurate data after receiving notice of dispute. 

15 U.S.C. 1681i Failure to provide proper method of verification beyond electronic e-OSCAR confirmations. 

XXXX XXXX XXXX XXXX derogatory status for a Paid in Full account violates industry compliance. 

XXXX XXXX. XXXX ( XXXX ) & ( XXXX ) ( XXXX ) Furnishing false or misleading information. 

XXXX XXXX. XXXX ( XXXX  ) Unfair and deceptive trade practice.

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 2025-09-17 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief