vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: CA

Complaint narrative:
I am a victim of identity theft. Accounts and credit inquiries were placed on my credit report without my permission. I did not apply for these accounts and am not responsible for the charges. I disputed the accounts and submitted an FTC Identity Theft Report, but the information is still being reported inaccurately.

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 2025-12-07 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: NY

Complaint narrative:
Summary of Complaint I am filing a complaint against Experian, Equifax, and TransUnion for reporting inaccurate, incomplete, and legally unverifiable student loan information related to accounts transferred from XXXX to XXXX. Despite my disputes, the bureaus continue reporting these accounts without proper verification, violating the Fair Credit Reporting Act ( FCRA ). 

Accounts Affected Furnisher : XXXX Account Number : XXXX Loans XXXX ( multiple inaccuracies across balances, dates, and statuses ) Issues With the Credit Bureaus 1. The bureaus failed to conduct a reasonable investigation Under FCRA 15 U.S.C. 1681i ( a ), the bureaus must investigate disputes. 
They did not : Request full documentation from XXXX Require verification of transferred loan balances Correct clear inconsistencies in the reporting Provide an explanation of findings The investigation was insufficient and did not comply with FCRA standards. 

2. The bureaus are reporting unverifiable information XXXX has not provided any of the following required verification : Original promissory notes Complete Nelnet-to-MOHELA transfer records Payment histories Accurate disbursement records Chain of custody/servicing rights documentation Under 1681i ( a ) ( 5 ) ( A ), unverified accounts MUST be deleted, yet the bureaus continue reporting them. 

3. The bureaus are reporting inaccurate data The following errors are still appearing : Mismatched balances Incorrect Date Opened information Duplicate loan groupings Inconsistent historical data compared to XXXX XXXX Unexplained increases in principal Missing payment histories Conflicts with XXXX XXXX XXXX loan records This violates FCRA 1681e ( b ), the maximum possible accuracy standard. 

4. Data transfer issues make verification impossible Because the loans were transferred during periods of XXXX servicing failures, complete and accurate data does not exist, meaning the bureaus legally can not verify the information. 
Harm to Consumer These errors have : Increased my total reported debt Reduced my credit score Negatively impacted my mortgage applications Caused financial loss and emotional stress

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 2025-12-07 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: CHERRY TECHNOLOGIES INC.
State: WA

Complaint narrative:
Cherry technology has closed my account and added a bunch of fees. They have called me over XXXX times per week and continued to harassed me through emails, phone calls, and text messages all within work hours. Last week they called me XXXX times in a row and continue to harass me. In addition, they added a bunch of illegal fees, and they violated my rights as a consumer with the contact attempts. They also inaccurately reported things on my credit report which has been investigated. This account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
Ok, On XX/XX/year> I had {$3800.00} come out of my chime account in about a five hour period. They were rapid fire pay anyone transfers to people I do not know. Some were three trans actions in less than one minute.I gave no one access to my account.My debit card has been expired on that account two years or more.I called chime when I seen it.they really didn't help much.they have no last names or control numbers so you can hold them accountable to what they say ... after this I noticed in my emails that someone had changed my email address and phone number on my account XXXX. I didn't know and don't know the email or phone number so it looks like the took over my whole account. The phone number is another chime members telephone number.XXXX XXXX .. How could we have the same number? So I talk to chime a few more times.im in hospital with sepsis at this point. For three weeks. They said my account was secured and I blocked the people who took all of my money but a few days later they took 31 more dollars out of my account. No security... when I call chime is always in a hurry.they can not call you back and will hang up when they don't want to talk. My desputes have been denied twice already In record timing. A few days. When I asked them to send me the information they based this on they don't. Five times now... two denials no answers..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: NC

Complaint narrative:
I purchased a vehicle from Carvana on XX/XX/year> and buy the return policy I did returned on XX/XX/year> well within the 7 days money back satisfaction guarantee policy, I was told I was going to receive my refund check/cashier 's check in 10-15 days but I't been almost a month and no money back, everything time I call them they tell me something different and no one will own up to it to process my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: WA

Complaint narrative:
ED financial has bought my account from a different loan provider. Ive asked them to provide me my master promissory note in all original signed documents by me for the original loan. They have yet to provide me with the master promissory or any of the other loan documents. In addition, this was written off on a discharge for a bankruptcy, which I have proof. They added all my loans back and put delinquencies on my credit report which had to be corrected therefore the information that they have provided has been inaccurate and therefore it should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, I went to my local Chase Bank, the XXXX XXXX XXXX XXXX branch at XXXX and XXXX in XXXX XXXX, for an ATM withdrawal. Looking back, I realize I probably fell victim to a classic scam at the ATM : A man, at the adjacent ATM, who spoke no English, tapped me on the shoulder, gestured to a {$20.00} bill on the ground, and tried to indicate that it was mine. It was not mine, and I tried to give it back to him. He finally " reluctantly '' accepted it back, and departed. When I got home, I saw the notifications from the bank that four withdrawals had been made which exceeded my notification threshold : four transactions, {$480.00} each, made from the ATM at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, several miles away, within seconds of my visit at the XXXX XXXX branch. I immediately contacted the bank by phone, and as the agent looked up the card numbers, I suddenly realized that the cards had been switched : the card I now had was not mine. My PIN was not written anywhere, apparently that did not matter. The agent closed both cards, and filed a claim. The claim was denied ; it was then updated and refiled, and denied again. The bank apparently believed that the four withdrawals were legitimate because the card numbers and PIN were correct. I feel that the investigations were not thorough or careful ; the timing and location of the four withdrawals, compared to the original location, are impossible for a legitimate transaction. The XXXX XXXXXXXX XXXX XXXXXXXX said she would file another claim, this time from the manager rather than the customer. I don't know if that ever took place ; I haven't heard anything back. The unauthorized withdrawals, with their numbers, times, and location, are on the bank statement, and there must be video footage showing the incident. This did not take place in a remote location ; it was right at the XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 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: CA

Complaint narrative:
I am a victim of identity theft. Accounts and credit inquiries were placed on my credit report without my permission. I did not apply for these accounts and am not responsible for the charges. I disputed the accounts and submitted an FTC Identity Theft Report, but the information is still being reported inaccurately.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint regarding Capital One for inaccurate and unlawful credit reporting on two charged-off accounts that are appearing on my credit reports. 

Capital One is reporting these accounts as Collection/Chargeoff, yet they continue to report ongoing late payments and past-due balances in the recent months. 

Once an account has been charged off or placed in collections, furnishers are prohibited from reporting new or updated late payments. This practice is considered re-aging, which is a violation of : FCRA 623 ( a ) ( 2 ) Duty to not furnish information known to be inaccurate FCRA 623 ( a ) ( 5 ) Duty to report the correct Date of First Delinquency By continuing to report new LATE notations and updating the past due amount monthly, Capital One is inaccurately extending the delinquency period and harming my creditworthiness. 

I previously attempted to dispute this information through the credit bureaus, but the inaccurate reporting was not corrected. 

I am requesting CFPB intervention to require Capital One to either : 1. Correct the reporting by removing all improper late payments and past-due notations after charge-off, OR 2. Delete the accounts entirely for failure to follow FCRA reporting requirements. 

This ongoing inaccurate reporting is causing significant and unfair harm to my credit profile. I am attaching screenshots as evidence of the improper late history being reported after the charge-off date. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
The people who keeps knocking on my door is looking for my son for credit card debt. 3 people have knocked very aggressively not a normal knock on my door. These people have been told he does not live here. They were told to not come on my property any more. But keep coming please resolve this. I do not know where they are from it is for a capitol one company. my son is of age this is his responsability not mine. I am XXXX yrs old and want to be left alone. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. 

I request that this account be removed from my Credit Report Account Name / Account Number XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
15 usc 1681b I request a validation letter a original creditor details and assignment contract that I agreed to with Lvnv funding with my signature showing on a contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In late XX/XX/year> ( around XX/XX/year> ), my checking account was reportedly negative by the bank, but no negative balance ever appeared in my statements. Despite this, I paid for transactions that were effectively charged twice or should not have been charged, and I have proof of the exact date and time of a phone call with customer service during which a representative confirmed that errors had occurred, including duplicate charges. These errors directly affected my ability to make purchases, as I would not have been able to complete transactions without having the exact funds available. I have screenshots showing my account statements never reflected a negative balance and proof of payments made in error. This complaint is related to my previous CFPB complaint ( # XXXX ) but includes additional details and evidence not previously submitted, including screenshots showing funds posted and negative amounts appearing underneath. I am requesting that the company immediately refund any duplicate or incorrect payments, correct my account balance to accurately reflect all transactions and ensure no negative balance is reported in the future, and provide written confirmation that my account has been corrected and that procedures have been implemented to prevent similar errors from occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
CREDIT CORP IS TRYING TO VERIFY AN ACCOUNT THAT IS NOT MINE AND WILL NOT PROVIDE THE CORRECT INFORMATION REGARDING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: NM

Complaint narrative:
I dont recognize this XXXX XXXX spelling of my name. Please remove it. The correct spelling is 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 2025-12-07 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I received an email from XXXX XXXX XXXX XXXX XX/XX/year>, that a credit card line was opened in my name. The flex spending credit card was opened online at Citi Bank on XX/XX/year> for the amount of {$8000.00}. I called the company and they immediately opened a case with their fraud department, canceled the card, and stated that I would receive an update within 2 billing cycles. 

I was in a breech dated XX/XX/year> that stated I was in a breech that was noticed on XX/XX/year> but performed on XX/XX/year>. The breech was with the company 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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting a new complaint because Wells Fargos prior response was incomplete and contains factual inconsistencies regarding delinquency reporting and their handling of military-related hardship during a federal government shutdown. 

On XX/XX/year>, Wells Fargo called me and verbally stated that partial payments do not count and do not prevent a delinquency from being reported. However, the delinquent amount they reported to the credit bureaus was {$610.00}, not my full monthly payment of {$1000.00}. 

This contradicts their own statement. If partial payments dont count, then the delinquent amount should have been reported as the full scheduled payment. By reporting only the remainder, Wells Fargo clearly did apply the partial payments to reduce the delinquent balance. 

Under FCRA and XXXX XXXX rules, a creditor may only report a 30-day delinquency when a full installment remains unpaid after 30 days. Because only a partial amount remained past due ( {$610.00} ), the account did not meet the requirements for a 30-day delinquency. This raises concerns about : Incorrect delinquency aging Misapplication of payments Failure to follow FCRA Section 623 accuracy standards Failure to report delinquent amounts using XXXX XXXX guidelines Inconsistent and misleading communication to the consumer Additionally, during the government shutdown, I informed Wells Fargo that my spouse is an active-duty service member who was required to continue working without pay. I also informed them that I would be making full payments as soon as life-insurance funds were released to me. Despite this, Wells Fargo stated that even with SCRA protections, veterans and active-duty members are still required to make their payments. 

This statement ignores the purpose and intent of the Servicemembers Civil Relief Act, which is meant to reduce financial stress during service-related hardship. Wells Fargo failed to reasonably consider shutdown-related hardship and dismissed the circumstances entirely. 

Taken together, these issues reflect : Misleading and inconsistent communication Improper or inaccurate credit reporting Failure to consider SCRA-related hardship Failure to evaluate reasonable accommodations during a shutdown I am requesting CFPB review of these issues.

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 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL CREDIT UNION Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/2025 Navy Federal Credit Union XXXX XXXX XXXX XXXX : XXXX Disputes, Attn : XXXX Disputes, XXXX, XXXX  XXXX Re : Cease & Desist + Debt Validation Request Account : XXXX * * To Whom It May Concern : This letter serves as a formal notice under 15 U.S.C. 1692c ( c ) to cease all communication with me regarding the above-referenced account. 
This is also a dispute and request for full validation under 15 U.S.C. 1692g ( b ). 
I request the following : Proof of your authority to collect this debt. 


Complete itemized accounting of the alleged balance. 


A copy of the original signed contract or agreement. 


Chain of title/assignment documentation. 


Verification that all reporting is accurate and compliant. 


Until proper validation is provided, you must cease all collection activity, including reporting to any credit bureau. 
Failure to comply will result in formal complaints to the CFPB, FTC, and the Attorney General. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief