vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am filing a formal complaint because Equifax is publishing contradictory and harmful credit reporting and refusing to provide a transparent, consistent disclosure of what is actually being used in my file. I have been fighting this for years and I am now dealing with serious health issues ; I do not have the time or strength for Equifax to keep playing games with my credit file. 
Equifaxs own reporting history shows severe derogatory content being reported on my Equifax file. For example, my ScoreSense/Equifax report XXXX XX/XX/year> showed an Equifax score of XXXX and showed an Equifax Fraud Victim / Initial Alert message on the file. 
XXXX That same Equifax report showed a Collections Accounts section listing XXXX XXXX with a balance of {$6100.00}. 
XXXX The same XX/XX/year> Equifax report also showed a XXXX XXXX tradeline with extremely damaging information : a balance/past due of approximately {$4900.00} against a {$4400.00} credit limit ( over-limit ), and the payment history grids repeatedly showing CO ( charge-off ) across multiple months/years. 
XXXX This is severe derogatory reporting and it is devastating to a consumers credit. 
Now Equifax is presenting contradictory clean messaging in one place while the underlying Equifax file ( as reflected in reports like the above ) contains or has contained charge-off/collection-level derogatory data. Equifaxs scoring and reasons are not matching the visible tradeline data it shows to me in its consumer-facing interface, and Equifaxs dispute flow blocks me from disputing categories by claiming I have no such items, even when other Equifax disclosures show serious derogatory items existed on the file. This is exactly the kind of inconsistent, non-transparent credit reporting that causes ongoing harm and makes it impossible for a consumer to correct errors. 
This is not a harmless XXXX glitch. This is financial harm. I have had to rent a XXXX  to work and my credit problems are directly impacting my ability to obtain normal financing and live my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXX. Apple Card Goldman Sachs Bank USA To : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XX/XX/year> Subject : CFPB Complaint Improper Denial of Lawful Funds ( 15 U.S.C. 1611 ) Dear CFPB : Goldman Sachs Bank USA denied my access citing too many applications and high balances. This transaction was lawful consumer access, not a new credit application, and denial is a violation of 15 U.S.C. 1611.

Further, failure to provide a clear adverse action notice violates ECOA, 15 U.S.C. 1691 ( d ), and the use of my TransUnion credit report without proper disclosure breaches FCRA 1681b & 1681m.

Requested Action : 1. Release of funds immediately.

2. Written acknowledgment of my rights under 15 U.S.C. 1611.

3. Assurance that future access will not be blocked on the same grounds. 

XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
XXXX This complaint has not fixed by company yet. My money not received. They havent provided proper information. Did 2 complaints so far no proper response from company. Just closing without correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am extremely distressed to see that inaccurate accounts are still appearing on my credit report and they were not removed as expected. This situation has caused me significant XXXX  and confusion. Because of this ongoing problem, I am urgently requesting that all of the documents I provided be carefully and thoroughly reviewed so I can finally feel at ease and stop worrying about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion sent me an E-mail on XX/XX/XXXX that the investigation has only been going on for XXXX days. That is a lie. The legal court documents were mailed to them on XX/XX/XXXX and should have been received by XX/XX/XXXX. On a phone call to them they would not answer whether they did anything to verify those legal court documents, stating " We don't have to tell you that ''. The investigation is now a month in progress. Legally they have XXXX days to do their investigation, however they are choosing to lie about the dates. Kindly investigate their illegal activity and remove this case from my credit report which was dismissed by the courts without prejudice on XX/XX/XXXX. They have the legal documents to prove that the case was dismissed.

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 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NY

Complaint narrative:
My stimulus check was directly deposited to my cash app account on or about XX/XX/XXXX FOR ABOUT {$1200.00} AND SOME TIME IN XXXX ANOTHER STIMULUS CHECK WAS DEPOSITED TO MY CASH APP ACCOUNT XXXX IN THE AMOUNT OF {$2000.00} FROM STIMULUS CHECK. I BECAME IXXXX FROM XX/XX/XXXX UNTIL XXXX which I then in XXXX of XXXX inquired about closing my account $ XXXX with CASH APP I was directed to create a new cash app account to verify my identity to close out my $ XXXX because I could Not verify my email address associated with $ XXXX and still can not verify the email address associated with $ XXXX. I have a balance of over {$2000.00}. and would like to close out XXXX XXXX  on cash app. I have taken all necessary steps to close out XXXX XXXX  and unsuccessful since XXXX of XXXX until now XXXX. XXXX. XXXX I really would like to close out $ XXXX  and I am willing to take all steps to further identify myself. I also can provide a New York XXXX XXXX XXXX XXXX XXXX  residency letter if possible. Thank you in advance for viewing my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Regional Management Corporation
State: SC

Complaint narrative:
Regional Finance reported a secured loan account on my XXXX  credit report as closed and charged off. The tradeline shows Account charged off. {$4800.00} written off. {$6700.00} past due as of XX/XX/XXXX. It also shows a balance of {$6700.00}, status updated XX/XX/XXXX, balance updated XX/XX/XXXX, and last payment date XX/XX/XXXX. 

I disputed this tradeline in writing before and asked Regional Finance to investigate and provide verification. Regional Finance ignored my first request. I did not receive investigation results, supporting documents, or a correction. The inaccurate and unverifiable reporting remains on my credit file. 

This reporting needs a complete accounting. If Regional Finance treated any part of the debt as cancelled or XXXX, Regional Finance must address whether a Form 1099 C was filed and the amount reported. If any insurance coverage applied to this secured loan, including collateral protection insurance, GAP, or credit insurance, any claim payment or claim decision must be reflected through proper credits and an updated balance. I am requesting correction or deletion unless Regional Finance provides full documentation supporting the reported balance and past due amount after charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Deposited third party check. Bank cashed check then closed account and was told funds were returned to back that check was written from. Called that bank and was told no the check was cashed and not returned. Now my bank says it's being investigated. It's been XXXX months now and my account was closed and back still refusing to release my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this formal CFPB complaint against Navy Federal Credit Union for their failure to properly investigate unauthorized account activity, refusal to return stolen funds, improper assessment of overdraft fees, and continued restriction of my banking access. 

My Navy Federal account was hacked, resulting in over {$10000.00} being fraudulently withdrawn from my account without my authorization. I reported this unauthorized activity to Navy Federal immediately and contacted them multiple times requesting a full fraud investigation and reimbursement, as required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Despite my timely notifications, Navy Federal refused to conduct a proper investigation, failed to provide provisional credit, and ultimately denied reimbursement without supplying documentation or evidence supporting their determination. I was never provided a clear explanation of how the investigation was conducted, what transactions were reviewed, or how liability was assigned to me. 

Following the unauthorized withdrawals, Navy Federal allowed my account to continue accruing overdraft fees, even though I had overdraft protection enabled on the account. These fees continued to post after the fraud was reported and while the account was compromised. Navy Federals actions directly contributed to my account becoming overdrawn by approximately {$900.00}, despite the overdraft protection that should have prevented this. 

Navy Federal is currently facing class action litigation related to improper overdraft practices, and my experience reflects the same pattern of consumer harm charging fees that should not have applied and failing to protect account holders during fraud events. 

As a result of Navy Federals mishandling, my account remains overdrawn, and I am now barred from opening a new account with Navy Federal due to a negative balance that exists solely because of their failure to investigate fraud and reverse improper fees. This has caused ongoing financial harm, XXXX, and loss of access to essential banking services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
XXXX is reporting a rental collection on my credit report. I contacted them and requested validation. They sent a reasonable investigation notice but did not provide the required documentation. They only provided a lease for the first year even though I lived at the property longer. They did not provide a moveout statement, a complete lease history, or proof that XXXX XXXX assigned the debt to XXXX. They also did not provide any documentation showing they have the legal right to collect this debt. Because they have not validated the debt, they should not be reporting it to Equifax.

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 2025-12-29 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: NJ

Complaint narrative:
Equifax has failed to properly update my account after being provided my XXXX statement to XXXX XXXX Acct # XXXX. 

I am submitting this complaint regarding XXXX failure to correct inaccurate balance reporting on my XXXX XXXX account ending XXXX. The accounts statement closed on XX/XX/year> with a {$0.00} balance, and the account was paid in full and closed. 

Despite this, Equifax continues to report a {$220.00} balance after XXXX disputes. XXXX XXXX has already updated Experian and TransUnion to reflect the correct {$0.00} balance. XXXX continued reporting of a pre-statement snapshot after the statement cycle closed demonstrates a failure to conduct a reasonable reinvestigation and a failure to maintain maximum possible accuracy, in violation of FCRA 611 ( a ). 

Equifax is the only bureau reporting this inaccurate balance, which artificially inflates utilization and causes ongoing consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Avant/XXXX  Consumer Loan To : XXXX XXXX Avant, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX From : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/year> Subject : CFPB Complaint Denial of Lawful Funds ( 15 U.S.C. 1611 ) Dear CFPB : XXXXAvant denied my request despite it being a consumer access transaction, not a credit extension. Denial of funds violates 15 U.S.C. 1611, which protects lawful access to owned money. 

The adverse action notice provided vague reasons without specificity, violating ECOA 1691 ( d ). Their use of XXXX  data without full disclosure also violates FCRA 1681b & 1681m and Regulation B.

Requested Action : 1. Immediate release of funds.

2. Written confirmation recognizing rights under 15 U.S.C. 1611.

3. Assurances against repeat violations. 

XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Systematic Document Fraud/Digital Fabrication is felony fraud. Why did an unlicensed agent in Georgia steal my car and not release it? Why is Wells Fargo falsely stating my account was 81 days past due, but theyre only starting from XXXX, and theyre not taking into account the payments they fraudulently misapplied since last year? Why was there a charge of {$970.00} a year ago when she was not XXXX months behind, and she has her bank statements and Wells Fargo statements to prove it? Then she paid an additional {$350.00} a total of about {$1300.00} That makes that 4 months of payment, but that only went to all interest and not principal? Another complaint was submitted. In addition, it was stated that she will pay the fraudulent extortion amount so the car must be released!

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 2025-12-29 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 2025-12-29 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:
I am extremely concerned because the accounts that are not accurate are still appearing on my credit report and they were not removed as expected. This situation has caused me a great deal of worry and XXXX, which is why I am urgently asking that all attached documents be carefully and completely reviewed so I can finally feel at ease and stop worrying about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: ID

Complaint narrative:
I am submitting this dispute regarding the accounts listed below. Please note that the information provided is based on my records, and I request that the bureaus review and rectify any inaccuracies. I am seeking to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and request that these items be investigated and corrected accordingly. 

Charged Off AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: DC

Complaint narrative:
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! 


XXXX - XXXX

Company response to consumer: Closed with explanation