vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, VyStar Credit Union withdrew approximately {$1900.00} from my savings account without my authorization and without any explanation. I contacted VyStar, and they told me it was due to an employee typing the wrong account number. They assured me that this would not happen again, and the funds were returned the next day. 
However, on XX/XX/XXXX, another unauthorized internal transfer occurred in the amount of {$90.00}. VyStar again reversed the transaction, but this was now the second time they withdrew funds without my consent. 
On XX/XX/XXXX, VyStar withdrew {$100.00} from my savings account without authorization. This transfer was also reversed, but this is now the third unauthorized withdrawal in less than two months. 
Although the funds were eventually returned each time, this repeated pattern indicates a significant lack of oversight and internal control regarding member accounts. It also contradicts VyStars earlier assurance that the issue had been resolved. These repeated errors risk causing financial harm, and I no longer feel confident that my deposits are safe. 
I am currently in the process of switching banks, and I plan to close my VyStar accounts after I complete the transition.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
Recently, a negative account was added to my credit report from XXXX XXXX, but the company has never provided any explanation of the charge. I received a notice on XX/XX/XXXX of this year detailing that my {$500.00} deposit would go towards a debt of {$770.00}, but was never told what this cost was for. I attempted to contact the company multiple times for clarification and documentation, but all attempts were ignored. 

The company is reporting a charge with no evidence, no explanation, and no validation. 

I am being penalized for a debt I do not recognize and have not been given any opportunity to verify. 

My credit score has been harmed without any legal basis or proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
i found out in XXXX that a bunch of unauthorized transactions were made with my apple card ( i lost the physical card so i was only using the apple card on my wallet ) so i reach out to apple customer service i explained the situation they referred me to goldman sachs bank i told them everything i know, so XXXX transaction was from XXXX around {$3000.00} and another one was a dealership bill ( XXXX ) for about {$3000.00} so i try to explain to them that i dont even own a car so i dont need insurance and after investigation they removed the geico bills and refund the money, but now for the dealership they want me to paid the money i said no i wont because if you recognize that XXXX transaction is fraudulent you must recognize the other one too because both or them are related to car so in XX/XX/XXXX i reopen the dispute and reexplain everything to them but they style denied my request i even asked them to call the dealership and ask if i gave them permission or if my name was the XXXX who purschase the car or something there but they still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED I HAD FRAUDELENT ACCOUNTS ON 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 2025-11-19 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: OH

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED I HAD FRAUDELENT ACCOUNTS ON 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 non-monetary relief
Consumer complaint received 2025-11-20 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Navy Federal Credit Union False Credit Reporting on Closed Account / Unauthorized Charge / Discrimination Company : Navy Federal Credit Union Account : Closed in XX/XX/XXXX Amount Reported : {$180.00} ( false/inaccurate ) What Happened I closed my account with Navy Federal Credit Union XXXX NFCU ) in XXXX, XXXX after experiencing discriminatory treatment. Every time I deposited, encashed a check, or withdrew money, NFCU required that I show identification but they never required my wife to show ID, even though we held the same joint account. 
After closing the account, NFCU mistakenly allowed a {$180.00} transaction to go through, even though the account was already closed. This transaction was unauthorized, impossible on a closed account, and was solely due to NFCUs administrative mistake. 
I refused to pay the amount because it was not my fault, and I notified NFCU in writing to stop calling me and to not report this inaccurate information to any credit bureau. I will provide my XXXX Letters if given the chance ; Despite this notice, in XX/XX/XXXX NFCU reported the fake debt to the credit bureaus ( XXXX XXXX XXXX XXXX ). I only discovered this when I attempted to purchase an RV and the dealer pulled my credit report on XX/XX/XXXX, which showed the false debt and caused my score to drop. 

What I Am Disputing The {$180.00} account entry is : Inaccurate and unauthorized Reported after the account was closed Due to NFCUs internal error Damaging to my credit score Reported despite written notice instructing them not to report NFCU violated : FCRA ( inaccurate reporting, failure to investigate, failure to correct ) FDCPA ( if any third-party collections involved ) ECOA ( discriminatory treatment ) State UDAP laws ( unfair and deceptive practices )

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 2025-11-19 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:
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 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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My auto loan through PNC bank - I called on several occasions to get a payoff date and a date id receive my title. While speaking to the customer service rep, I had them bring on a manager to confirm that what I was told about my payoff date and receiving my title in XXXX of 2025, then XXXX  months prior to XXXX I called in to pay it off and was told then by a rep that I still owed x amount of dollars. It proceeded to escalation where I was told XXXX different maturity dates and XXXX different balances for them to ultimately tell me this was all an accrued balance of late fees and interest of XXXX $ which the vehicle is only worth XXXX. I had already paid XXXX towards this vehicle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Crosspoint Financial Inc.
State: TX

Complaint narrative:
What happened : After a court judgment was already entered, CrossPointe XXXX XXXX contacted me directly through an informal SMS text message from representative XXXX XXXX. The message stated : XXXX XXXX I have adjusted your account to the balance owed according to the judgement of {$1000.00}. 
Please let me know payment plans when you have them. Thank you. 
XXXX XXXX CrossPointe XXXX XXXX Reply STOP to unsubscribe. 

This communication is improper, misleading, and outside the legal process required for post-judgment matters. 

The company : Attempted to solicit a payment plan outside of court channels Claimed to have adjusted my account, implying modification of financial records without authorization Used marketing-style unsubscribe language, which is not appropriate for legal or debt-related communication Contacted me directly and informally, bypassing proper court procedures Post-judgment collection attempts must follow court-approved processes, not text messages or internal account adjustments. 

This communication creates confusion, pressure, and violates standard post-judgment consumer protections.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-20 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian has failed to respond to my Method of Verification ( MOV ) request and is not complying with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed Experian a certified Method of Verification request regarding the bankruptcy appearing on my Experian credit report. My request asked Experian to provide the legally required information under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : The name of the person or furnisher who verified the bankruptcy The method and records used to verify it The date and manner of verification Whether Experian or a third party accessed court records ( PACER ) Identification of the actual source of the bankruptcy information Experian has not responded at all. This violates multiple FCRA requirements : 611 ( a ) ( 6 ) ( A ) Experian is required to send me the results of the reinvestigation and written notice of completion. 

XXXX1 ( a ) ( 7 ) They must provide a description of the verification procedure ( Method of Verification ).

611 ( a ) ( 1 ) ( A ) They must conduct a reasonable reinvestigation.

611 ( a ) ( 1 ) ( B ) They must review and consider all relevant information I provided.

607 ( b ) They must ensure maximum possible accuracy of the information.

Experian also uses third-party vendors to obtain bankruptcy public record data, but refuses to identify the furnisher or provide the required MOV details. If they can not name the furnisher or show how they verified the bankruptcy, then the information is unverifiable and must be deleted under the FCRA.

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 2025-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: TexStar Escrow, LLC
State: NM

Complaint narrative:
My loan servicer ( TexStar Escrow ) has committed multiple servicing violations under RESPA ( XXXX CFR XXXX ). I consistently made my payments, but the servicer began rejecting my online payments without warning, even though they had accepted online payments for years. No written notice, explanation, or contractual basis was ever provided. 
Because they blocked my online account access, I was forced to drive in person to make payments, which caused financial harm and delayed transactions. The servicer also added unexplained fees, reversals, and adjustments to my account without any proper written breakdown. 

I submitted written Requests for Information and a formal RESPA Notice of Error. They did not provide the documentation I requested, nor did they provide a valid explanation for rejecting my online payments. They also sent me an incorrect and inconsistent account history that does not match my payment records. 

Their actions caused my account to appear past due when I was actually paid ahead, putting me at risk of wrongful default, late fees, and possible foreclosure. Blocking my online payment options, adding unauthorized fees, and failing to respond properly to my written requests are all clear violations of Regulation XXXX. 

I also received a private/blocked phone call immediately after submitting my written request, despite asking for all communication to be in writing only. 

I am requesting an investigation into TexStar XXXX servicing practices and violations of federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing this complaint because Cash App improperly denied my dispute for a {$2500.00} transaction sent to XXXX XXXX XXXX XXXX. Cash App stated that they were refusing to investigate because the transaction was outside the 60-day window, and that this was their final decision.

This is improper.

Under Regulation E ( 12 CFR 1005 ), a financial institution must investigate unauthorized, fraudulent, or misrepresented electronic fund transfers when the consumer could not reasonably have discovered the problem earlier. I did not learn until recently that the merchant misrepresented the service, and I have documentation showing the service was not provided as described. 

Cash App refused to conduct any investigation and denied the dispute based solely on its internal 60-day policy, which is not allowed to override federal consumer protections.

I also requested copies of the documents Cash App claimed to have relied upon in making their determination, including proof of authorization and merchant response. Cash App did not provide complete or adequate documentation.

Cash Apps refusal to investigate is unfair, violates Regulation E, and blocks me from exercising my rights. I am requesting that Cash App be required to reopen and investigate this dispute properly and provide the evidence they used to deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am filing a complaint regarding inaccurate and unlawful credit reporting by American Express on an account that was closed in XX/XX/year> with a remaining balance of approximately {$2500.00}. 

The account is currently reporting : XXXX late payments after the account was closed, and A charge-off status based on those inaccurate late entries. 

This reporting is factually impossible and violates the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), and 623 ( a ) ( 1 ) ( A ) because : The account shows a closed date of XX/XX/year>, yet American Express continues reporting late payments months AFTER closure. 

A closed account can not accrue new delinquencies unless a new payment schedule exists which it did not. 

These false late payments directly caused the account to be listed as a charge-off, compounding the inaccuracy. 

I have disputed this with the credit bureaus and American Express, and the incorrect information continues to appear. 

This inaccurate reporting is causing significant harm to my credit profile and is preventing me from obtaining fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
I am filing this complaint because TransUnion has failed to comply with my Method of Verification ( MOV ) request under the Fair Credit Reporting Act ( FCRA ), and the bankruptcy information on my TransUnion credit report remains inaccurate, unverifiable, and improperly validated. 

On XX/XX/year>, I mailed TransUnion a certified XXXX XXXX XXXX request asking for the specific details required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : The name of the person or entity who verified the bankruptcy The method they used to verify it The date and means of the verification Whether TransUnion or a third-party vendor accessed PACER or other court records Instead of providing the legally required description of their verification procedure, TransUnion sent me a form letter dated XX/XX/year>, stating only that the bankruptcy had been previously verified and directing me to the XXXX Bankruptcy XXXX XXXX This does not meet the requirements of the FCRA, because : The bankruptcy court does not communicate with consumer reporting agencies about consumer disputes. 

TransUnion does not obtain bankruptcy data directly from the courts. 

TransUnion uses a third-party data provider, which is currently XXXX XXXX. 

TransUnion refused to disclose the actual furnisher/verification source, which violates the FCRA. 

Additionally, I sent a certified MOV dispute directly to XXXX XXXX, and my letter was returned to sender, making it impossible for me to contact the furnisher responsible for supplying bankruptcy information to TransUnion. This further proves that TransUnion did not rely on the furnisher I attempted to contact, and did not provide me the correct source of the information. 

XXXX response fails the following FCRA requirements : 611 ( a ) ( 6 ) ( B ) ( iii ) They did not provide a description of the procedure used to determine the accuracy and completeness of the information.

611 ( a ) ( 7 ) They refused to provide the method of verification.

607 ( b ) They are not maintaining reasonable procedures to assure maximum possible accuracy if they can not identify or verify the source.

611 ( a ) ( 1 ) ( A ) They refused to conduct a full reinvestigation unless I supplied information beyond what the law requires.

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 2025-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
Received a vanilla visa gift card, with {$120.00} on it, number was torn off during unboxing, reported a problem to the vanilla visa website, froze my card instantly, was told to wait a month in advance, waited the whole month, never received any updates or information about my report, even though I put in my email and phone number whilst filing the report. When checking the progress, they have closed my case due to inactivity, and said to refer back to previous email communications to address outstanding items even though they have never reached out to me.

Company response to consumer: Closed with explanation