vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX : XXXX Ssn : XXXX Dob : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have checking account in Chase Bank. last month someone change my address of bank and replace my debit card to their address and withdraw my money. i dont use online banking that's why i did not notice anything but when i contact to bank they tell me all transections and my updated address. The scammer name is XXXX XXXX and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please take an serious action urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$53.00}

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal reported my credit card debt as a loss. They did not mail me a 1099-C form when they did report this as a loss. They sent this to court during covid when I was unable to defend in person the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Issue : Predatory loan structure, deceptive interest accrual, and denial of clear principal-only payment options Company : Navy Federal Credit Union Product : Auto Loan What happened : > I am filing this complaint against Navy Federal Credit Union for deceptive and predatory lending practices tied to an auto loan I obtained. 

I made my first loan payment early, expecting that early payment to reduce the principal and total interest owed over the life of the loan. Instead, Navy Federal applied over {$400.00} of that first payment toward interest, not principal despite the fact that the loan wasnt even technically due yet.

In a chat with Navy Federal representatives ( documented via screenshots ), they admitted the following : My loan began accruing interest 32 days before the first due date, with no upfront explanation of this in the loan onboarding process. 

The interest accrual began immediately from the loan activation date, not the first payment due date, and this was buried in a generic promissory note with no verbal or written emphasis at signing. 

They are charging me over $ XXXX in interest at a 10.95 % APR and will not allow lump-sum payments to be applied to principal unless the daily accrued interest is paid down to zero. 

They also refuse to provide any written assurance that a payment like {$15000.00} will be applied directly to principal, making it nearly impossible for a borrower to prepay or refinance responsibly. 


This structure makes it intentionally difficult to pay down principal, even when a borrower is current and attempting to do so in good faith. I was never provided an amortization schedule or clear documentation explaining this interest policy. Navy Federal 's setup appears to intentionally exploit borrowers who are unaware of how daily interest can compound especially targeting their core base of military and veteran members.

I am requesting the following : 1. A full investigation into Navy Federals interest accrual disclosures and amortization practices 2. A review of their compliance with the Truth in Lending Act regarding accurate and clear finance charge and APR disclosure 3. A requirement for Navy Federal to allow clear, accessible principal-only payments ( especially on lump sums ) 4. A review of whether this interest-first trap constitutes predatory lending, especially when borrowers attempt to pay early and are denied transparency 5. Reallocation or refund of interest charges that were improperly or deceptively applied I have chat logs and screenshots documenting these conversations and Navy Federals direct admissions, which I am happy to upload in support of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-14 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: RI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : 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 2025-07-14 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: NY

Complaint narrative:
XXXX, 2025, I sent dispute letters via certified mail to Equifax, Experian, and TransUnion about inaccurate items on my credit report. These items included a charged-off auto loan account and a collection account managed by XXXX XXXX XXXX XXXX I have certified mail receipts confirming the disputes were received by the credit reporting agencies around XXXX, 2025. 

The credit reporting agencies did not respond or correct the inaccuracies within 30 days, as required by law. Instead, they marked the accounts as " verified '' without providing evidence of a proper investigation. This has left incorrect information on my credit report, affecting my financial situation. 

Additionally, the auto loan company and XXXX XXXX XXXX failed to send proper debt validation notices after I requested them. I asked for proof of the debt, including documentation for the auto loan charge-off, but received nothing. XXXX also continued collection efforts without sending required notices or stopping communication when asked. 

Key Dates and Actions : XXXX, 2025 : Sent dispute letters to Equifax, Experian, and TransUnion via certified mail. 

Ongoing : Requested debt validation from the auto loan company and XXXX XXXX XXXX ; no response received. 
XX/XX/year>2025 : Noticed the accounts still listed as " verified '' on my credit report and collection attempts by XXXX continued. 
Companies Involved : Equifax Information Services LLC Experian TransUnion LLC XXXX XXXX XXXX XXXX XXXX  XXXX  Details of the Issue : The credit reporting agencies did not investigate or fix the disputed items within 30 days. 
The auto loan company did not provide any documents to validate the charge-off. 
XXXX XXXX XXXX ignored my requests to stop contacting me and failed to send proper notices about the debt. 
Ive taken steps to address this by sending disputes and requesting validation, but the companies have not followed through. Please send my comments to these companies for a response.

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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I cancelled my gym membership with XXXX XXXX on XXXX. XXXX sent me a letter stating that I have XXXX balance due and that my membership is cancelled. I then received a notice on my credit report in XXXX of XXXX that I still owe XXXX dollars to XXXX XXXX. I do not owe this debt and this collection is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
This is a complaint about XXXX XXXX credit reporting practices, not their banking services. 

They continue to report monthly late payments AFTER the account was charged off, which is a violation of the Fair Credit Reporting Act ( FCRA ). A charged-off account should not continue to show monthly delinquencies. This is considered re-aging, which unfairly hurts my credit and is prohibited under federal law. 

I am requesting the CFPB investigate this credit reporting violation. Please do not forward this to the Federal Reserve, as this is not a banking services complaint it concerns credit bureau reporting behavior, which is governed by the FCRA and falls under the XXXX jurisdiction.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
Subject : Debt Validation and Request for Removal of Collection from Credit Reports To Whom It May Concern : I am writing in regard to a collection account you have reported to the credit bureaus under the following details : Creditor Name : Spring Oaks Capital LLC Reported Balance : {$590.00} Date Opened : XX/XX/year> Account Status : Placed for Collection I formally dispute the validity of this debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide all of the following : 1. Proof that I am legally obligated to pay the debt.

2. The name and address of the original creditor.

3. The full accounting or breakdown of the amount claimed, including any fees or interest.

4. Copies of any documents showing my signature or agreement to the debt.

5. Proof that your company has the legal right to collect this debt in my state. 

Until you provide this validation, you must cease all collection activity on this account, including reporting it to the credit bureaus. If you can not validate this debt, I demand that you immediately request its removal from all three major credit bureaus ( XXXX XXXX XXXX XXXX ) to correct my credit file. 

Additionally, note that the credit report currently shows Account information disputed by consumer. If you can not validate this account within 30 days, you are required to update the credit bureaus to delete this entry entirely. 

Please respond to this request in writing within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report. 

Reporting inaccurate and unauthorized information violates the Fair Credit Reporting Act ( FCRA ) and is causing serious and unjust damage to my credit. If this item is not removed promptly, I expect a full deletion of this fraudulent account without delay.

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 2025-07-14 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: TX

Complaint narrative:
I am formally disputing fraudulent accounts on my consumer report that have been linked to identity theft. I never provided written authorization, including a wet signature, for the inclusion of these accounts on my credit report. These unauthorized entries have caused significant emotional and financial distress by inaccurately representing my credit history and preventing me from achieving important financial goals, including purchasing a home and meeting my family 's needs. I am requesting the immediate blocking and removal of these disputed accounts from my report, as their continued presence violates my consumer 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 2025-07-14 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TN

Complaint narrative:
I previously received a response that failed to address the legal inconsistencies and consumer rights violations outlined in my initial dispute. This complaint is to escalate the matter further. I have submitted prior disputes, and I recently received a notice claiming that the information was verified. However, no documentation proving this verification was ever provided to me, nor was I shown what methods or records were used. The company failed to provide a signed contract or documentation proving that I opened or authorized the alleged accounts, which is required under the Fair Credit Reporting Act ( FCRA ). Experian and Transunion was unable to verify the account, yet Equifax claims it was verified. This discrepancy raises serious concerns about the accuracy and validity of their verification process. As someone impacted by the 2017 Equifax data breach, it is highly likely that my information was compromised, which may have led to unauthorized accounts being opened. Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ), I am legally entitled to a full disclosure of the sources and documents used to verify these accounts including original signed agreements. Furthermore, the credit bureau can not legally verify this information by simply calling the furnisher this violates FCRA obligations for reinvestigations under Section 611 and procedures under Section 607 ( b ) which require reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation