vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

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 2025-11-05 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: LA

Complaint narrative:
I dispute the following accounts listed under TransUnion. I believe these accounts contain inaccuracies that need to be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$25000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$40000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4900.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$810.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1300.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/year>, around XXXX XXXX, I received a phone call that appeared on my cellphones caller ID as Navy Federal. Believing it was legitimately Navy Federal Credit Union, I answered. The caller informed me that my phone number had likely been spoofed, making it look like the call was coming from Navy Federal.

The caller then asked if I had authorized a wire transfer of around {$5400.00} or {$5600.00} ( I am not certain of the exact amount ). I said no, I had not authorized any such transfer. The caller claimed they would cancel the transaction right away and that they would send me a link to confirm my identity to proceed with the cancellation.

They sent me a link that appeared to go to a Navy Federal webpage, asking for my date of birth and social security number. The page looked legitimate and had Navy Federals branding, so I followed the instructions. During this process, the person on the phone kept me on hold at times and then asked me to enter additional information.

Without realizing it, the scammer gained access to my bank account. They added their own XXXX XXXX account as a recipient and initiated a wire transfer of {$2500.00}. After the call ended, I became suspicious and contacted Navy Federal directly. They confirmed that it had not been them who called me and that I had been the victim of a spoofing scam.

Navy Federal reported the incident and said they would begin an investigation to recover the funds from XXXX XXXX. However, I later received notice that they were unable to recover the money.

Importantly, the account from which the money was taken is in my name, but it also holds sub-accounts for my children. The funds were actually withdrawn from my sons sub-account under account ending in XXXX. My son is currently in the U.S. military and has no access to his phone or ability to authorize any transactions. Neither I nor my son authorized this transfer in any way.

Additionally, Navy Federal has refused to provide me with a written denial letter or any documentation from XXXX XXXX  r

egarding their refusal to return the funds. What I dont understand is that I reported everything to Navy Federal within one hour after the scam occurred, yet even with such a fast response, they were still unable to retrieve or freeze the stolen money. This raises serious concerns about the protection measures and recovery process for fraud victims. I am submitting this report to the Consumer Financial Protection Bureau ( CFPB ) seeking further assistance in recovering the stolen funds and ensuring accountability for this fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS HARD INQUIRY IS UNAUTHORIZED AND REPORTED IN ERROR.

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 2025-11-05 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had a previous complaint about XXXX  XXXX being reimbursed. After I finally received those funds I closed the checking account. I have a letter the account was officially closed. I called chase XXXX and spoke to XXXX XXXX about emails for the closed account I can not open. I then spoke to XXXX ext XXXX complaint XXXX. XXXX advised she handles mortgages so she will send the information to the consumer team and I would hear back in a week. This was early XX/XX/year>. I also updated my XXXX direct deposit on XX/XX/year>. I did online and have proof it was supposed to be effective XX/XX/year>. I called XXXX XXXX ext XXXX complaint XXXX and left several messages for XXXX. I got no response. I was advised by Social Security that Chase has my monthly disbursement and they haven't released the funds back to social security. This is causing extreme hardship. I believe they are doing this out of spite from previous claim. I called today on XX/XX/year> to chase executive office and asked for XXXX supervisor to call me back XXXX XXXX. I didn't get a return phone call. Social security advised if Chase believes you owe them they can hold the funds. I asked for a letter that the account was closed with a XXXX balance on XXXX voicemail with no return information. I asked for a supervisor to call me from chase executive office and they are refusing. I asked for letters sent to my email saying they went into my Chase portal account I can not open because the account is closed. It has been a month with no response from Chase. I have tried all aspects to get the information they sent to my portal. I want to make sure the account is closed with a XXXX balance. Chase is holding social security funds in the amount of {$2300.00} for XX/XX/year> for no reason. If I call XXXX extension it goes nowhere not even a voicemail. I called the XXXX Michigan store to see if someone could do their job and get me the information I requested with no answer. I just wanted to be done with JP Chase Morgan after being lied to for several months about {$650.00}. This seems intentional on JP Chase for continually this for no reason. I asked for a letter from Chase that they sent my funds back to social security epectronically and what date it occurred. Both are lying to me. This is causing a severe hardship on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ). I previously sent them a written cease-and-desist letter regarding all collection activity on alleged accounts they hold in my name. Despite this, I received a new collection demand from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, attempting to collect a debt from XXXX that they claim is owed to LVNV Funding LLC.

The letter itself acknowledges that the statute of limitations for this debt has expired and that they can not sue me or report the debt to credit bureaus. Despite this, the letter encourages me to make payments and asks me to prove that the debt is not mine, even though I informed them previously that the account was the result of identity theft and was written off many years ago.

This contact violates 15 U.S.C. 1692c ( c ), which prohibits debt collectors from further contacting a consumer after receipt of a cease-and-desist request, except to confirm they will cease communication or to notify of specific legal action. Since this debt is time-barred and they have no legal recourse, this additional communication constitutes harassment and an unlawful attempt to pressure payment on a debt that is not valid.

I am requesting that the CFPB investigate XXXX XXXX XXXX XXXX for continued contact after a cease-and-desist, for attempting to collect on an expired, time-barred, identity-theft-related debt, and for misleading communications that suggest I should pay a debt they admit is unenforceable. 

I have attached copies of the XX/XX/XXXX, letter, my previous cease-and-desist letter, and proof of certified mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I am writing to formally notify you that your actions are infringing upon my rights. Specifically, I am referring to [ describe the actions or behaviors that you want them to stop, e.g., unauthorized use of intellectual property, harassment, etc. ]. 

This letter serves as a demand for you to immediately cease and desist from these actions. Your behavior is [ harmful, damaging, illegal, etc. ], and it is imperative that it stops immediately to avoid further action. 

Please take notice that if you do not comply with this request by [ XX/XX/year> ], I will be forced to take appropriate legal action against you to protect my rights and interests.

I hope this matter can be resolved amicably and without the need for further action. Please confirm in writing that you have ceased the aforementioned activities.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX 15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that governs how and when debt collectors can communicate with consumers. It prohibits communication at inconvenient times or places, prevents contact with third parties without consent, and requires a debt collector to cease contact if the consumer sends a written request to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc.
State: NC

Complaint narrative:
I enrolled in the XXXX career accelerator program in XX/XX/XXXX, and financed the cost through a private student loan issued by Climb Credit. The program promised career support and job placement assistance, including a Placement Guarantee. Despite completing the program, I did not receive meaningful educational services to secure employment through XXXX. 

In XX/XX/XXXX, I was informed by XXXX that they had been foreclosed on by their lenders and were winding down operations. Their assets were repossessed, and they could no longer conduct placement verification or submit loan release requests to Climb Credit. XXXX confirmed this in writing.

I contacted Climb Credit to request cancellation or discharge of my loan, given that the program was no longer operational and had failed to deliver the promised services. Climb responded that they could not adjust my loan unless XXXX sent them refund funds. XXXX then stated they were unable to issue refunds or conduct verification due to Climbs policy change.

As of now, I am being asked to repay a loan for a program that is no longer active and did not provide the services I paid for. I believe this constitutes a failure to deliver the product or service and warrants relief from repayment obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting that these accounts be reviewed, and if they can not be verified as accurate, removed from my report.

Company response to consumer: Closed with explanation