vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I had been receiving emails and, or phone callls almost daily for the last several monmths regarding a new contract NDR want me to sign with my XXXX XXXX XXXX debt. This would require another {$110.00} a month, for XXXX more years to be added on top of the quote I was intially given of {$240.00} for 24 months. I am almost finished with this agreement, but XXXX has sued me, the legal team I am paying for monthly was not informed of my situation in a timely manner though I sent all the court orders to NDR, called them to inform them of the court summons and, at first, was told I didnt select thzt option of the legal team when I signed up. Then I was told that I did have their legal support team, but NDR still calls me trying to get me to siogn this other contract, which would void my current contract with NDR, with the debtor that bought my debt from XXXX. I was told by XXXX  that they didnt do business wioth NDR or any other debt consolidation agency, same time NDR told me that was a scare tactic and that they do business with XXXX all the time. I am sure that NDR has realized their mistake and is tyrying to get out from settling the results of this mistake by pressuring me to sign this other contract releasing them of their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 submitting this complaint regarding inaccurate information that Experian continues to report on my credit file despite my disputes. I am requesting that Experian conduct a thorough reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Charged-Off Accounts ( Require Verification/Removal ) XXXX XXXX Account # XXXX Charged off XX/XX/XXXX, balance {$2000.00} XXXX XXXX  Account # XXXX Charged off XX/XX/XXXX, balance {$3100.00} These accounts are reporting as charged off, but I have not received any proper validation or proof of ownership from the data furnishers. I request full verification including complete account history, original contract, and date of first delinquency. If Experian can not obtain this documentation, these entries should be deleted immediately. 

Hard Inquiries ( Require Deletion ) The following inquiries were not authorized by me, nor do I have any credit applications with these entities on the listed dates : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these unauthorized inquiries under FCRA 604 ( a ) ( 2 ). 

Late Payments ( Require Correction or Removal ) The following accounts are reporting late payments which are inaccurate and not supported by records : XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I request validation of the late payment dates and amounts, or removal of the inaccurate entries. 

I respectfully request the CFPB ensure that Experian performs a proper reinvestigation and provides written results with evidence supporting continued reporting, or deletion if unverifiable.

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 2025-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal Credit Union has consistently slowed down the closing process. They would never answer calls and would randomly send a new need and estimated time for closing. Now, after weeks of jumping through hoops for them, we had the clear to close and they let the title company know they could schedule close. Now, the day of, the wont answer calls and arent sending documents needed to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account has been incorrectly reported as charged off on XX/XX/XXXX. I request this account be updated to reflect accurate status, as this does not accurately reflect the payment history. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX is incorrect. Please investigate and correct this reporting. 

XXXX ( Account : XXXX ) Dispute : The reporting of this account as charged off on XX/XX/XXXX is inaccurate. I request it be updated with the correct payment status. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX, but it does not accurately reflect the payment status. Please correct this discrepancy. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX does not align with the actual status. Please investigate and correct. 

XXXX ( Account : XXXX ) Dispute : This account is incorrectly listed as charged off on XX/XX/XXXX. I request an accurate update based on actual payment history. 

XXXX XXXX XXXX XXXX ( Account : XXXX ) Dispute : The charged-off reporting on XX/XX/XXXX is incorrect. Please correct it to reflect the accurate status of this account. 

Bankruptcy ( Account : XXXX ) XXXX : The bankruptcy listed on XX/XX/XXXX should be accurately marked, and I request its removal if incorrectly reported. 

Inquiries : XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is inaccurately reported and should be removed from the credit report. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry should not be on the report, as it was made in error. Please remove it. 

XXXX  ( Date : XX/XX/XXXX ) Dispute : The inquiry reported on this date is unauthorized and should be removed. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry should be removed as it is not tied to a legitimate credit transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: OH

Complaint narrative:
On XX/XX/XXXX I responded to an email from TrueAccord to say that I was disputing the debt because when I closed the account, I had a {$0.00} balance. I also informed them that The email address they were contacting was used for work and they were not to email it again ; all communications should be done in writing. A certified copy of the same message was mailed on XX/XX/XXXX. 

On XX/XX/XXXX, TrueAccord emailed my address that I use for work again saying that they needed me to e-sign documents to receive the information that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I accidentally deposited a check for {$10000.00} into my personal checking account that should have gone into my XXXX business account. Once I realized the error, I called Wells Fargo and tried to correct it. I was told there was nothing they could do, I would have to wait for it to clear the following week. This is not what happened, and I will spare you the details from all the calls made through yesterday. I called yesterday because I was overdrawn because the bank had pulled this amount from my account. 
I was told the hold would clear today ( XX/XX/year> ). It has not. I called again, and they didn't know where the money was, and told me to go to the branch. I went into the branch, and when I realized they were just going to call customer service- who had told me to go into the branch- I left. 

The money should be in my account, or in the writer of the check, and it is in neither place. Wells Fargo seems to have lost my {$10000.00} which I need to pay upcoming bills.

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 2025-10-30 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-30 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: MA

Complaint narrative:
XX/XX/year> Transunion claimed there was something on account that in NOW a XXXX balance but will not give any info unless I sent them {$400.00} and it will not be on my record for 7 years. Otherwise it will remain on my record and further loans will be effected. My fico score is over XXXX and they are rediculous about providing any more answers without money. 
Never heard of this and never had any outstanding debts to my knowledge Thanks

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was involved in a scam that had me deposit a cashiers check into an account at Chase bank. I went to the cops same day ( XX/XX/year> ) and Chase bank refused to return the funds. The check was being held for 10 days due to previous fraudulent occurrences per the manager of Chase bank and that the account was " frozen? ". I was told an investigation was started internally by Chase bank. XXXX has requested the money be returned MULTIPLE times without any response from Chase bank. The FBI has become involved in this case as well. No one will tell me if the internal investigation is still ongoing, when the funds will be returned, or talk to me at all. There is no way to connect with anyone within Chase bank 's fraud department and calling customer service is less than helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against PNC Bank regarding an unresolved issue with a debit card transaction. 

# # # Transaction Details : - * * Transaction Date * * : XX/XX/year> - * * Claim Number * * : XXXX - * * Description * * : Debit Card Purchase ( XXXX ) at XXXX XXXX - * * Transaction Amount * * : {$340.00} # # # Issue : The claim related to this transaction was not handled properly by PNC Bank. The merchant, XXXX XXXX, claimed to provide a refund for this transaction ; however, the refund was never processed, and I have not received the funds back into my account. 

# # # Impact : This situation has caused me significant frustration and financial inconvenience, as I relied on these funds for my expenses. 

I request the Consumer Financial Protection Bureau to investigate this matter to ensure that PNC Bank takes appropriate action to resolve the claim and issue the refund as promised by the merchant. 

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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email Address 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email Address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2025-10-30 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: TX

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$880.00} Dispute Reason : I am disputing the accuracy of the balance reported for this charged-off account. The reported amount does not reflect my actual liability, or it may be reported inaccurately. Please verify and correct the balance to reflect the true amount owed, or remove the account if found to be erroneous. 

Inquiries : No inquiries are currently disputed for Equifax. 

Positive Accounts : No positive accounts to dispute. 

Late Payments : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dispute Reason : The late payment reported for this account is inaccurate. I believe this was reported in error. Please review the accounts payment history and provide supporting documentation to verify the late payment. If no evidence of late payment exists, I request that this item be corrected or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MI

Complaint narrative:
I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-10-30 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I called to see why my insurance claim was denied. Was told why and there wasn't anything they could do it was {$150.00} claim for a rental car after I needed another flight and needed the rental car to make it to my destination. No srament credit was offered and when asked if they could do one I was told no. Then went to downgrade my card I was told I would have to call back Monday to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I must unequivocally stress that this complaint is no error my credit report is riddled with blatant inaccuracies that fall far short of any acceptable standard of accuracy. These errors are crushing me and relentlessly damaging me in unimaginable ways ; these are profoundly challenging times, and it would be an extraordinary relief a genuine salvation if these inaccuracies were corrected or eradicated forthwith.

Company response to consumer: Closed with non-monetary relief