vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/year> XXXX issued a refund check in my name to a Navy Federal account that wasnt mine. This happened because someone who was supposed to be helping me with my insurance claim with XXXX impersonated me and got the electronic payment sent to their own Navy Federal account. I have been working with XXXX and the insurance commission in Georgia to get this resolved for almost a year now. XXXX, Navy Federal and I have all been on a conference call. In the end Navy Federal said they will send XXXX the money ( XXXX ) back if XXXX can provide the account number. XXXX only had the last 3 digits. We are now at a standstill. Im upset because Navy Federal has all the information. They told me they are looking right at the transaction on their screen but need us to provide the full account number to reverse the transaction. I gave them the perpetrators name, phone number and routing number. Thats all the information XXXX and I could provide. If need be contact XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX at XXXX. Hes been my direct contact. He says that they have done just about all they can in making it right on the insurance companys end ( providing all information available to Navy Federal, sending Navey Federal a letter of indemnity, etc ). Now its up to Navy Federal. Please help. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I recently looked at a copy of my credit report, and noticed a bunch of inaccuracies on my account. This account is hurting my ability to obtain credit at this time. Its my understanding that Experian Transunion and Equifax with account insured accuracy here on these account. XXXX asking you to verify as accurate. The accounts are 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 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 2025-04-16 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: NY

Complaint narrative:
I recently looked at a copy of my credit report, and noticed a bunch of inaccuracies on my account. This account is hurting my ability to obtain credit at this time. Its my understanding that Experian Transunion and Equifax with account insured accuracy here on these account. XXXX asking you to verify as accurate. The accounts are 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from XXXX, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

XXXX. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX XXXX have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late. 


Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I bought a vehicle using Capital One Auto Finance on XX/XX/year>. The vehicle was totaled on XX/XX/year>. Capital One received the settlement from my insurance a few weeks later. There is still a balance left on the loan. I had bought a service contract for around {$1000.00} at the dealership that was factored into the total auto loan amount from capital one. I had canceled that contract for a full refund from the dealership ( the dealership is XXXX  located in XXXX XXXX, PA ). However, the dealership can not send the check out until Capital One contacts the dealership to provide that information. Once the refund is processed, capital one is to apply that to the balance of my Auto Loan. I have made several attempts to contact capital one. Capital One says they will not have contact with any dealership. I have attached a highlighted screenshot from capital ones own FAQ page. However, Capital One has listed that they will contact the dealership to cancel/refund service contracts in the situation of a vehicle at a total loss. Again, Capital one refuses to do so. The dealership confirms captain one refuses to respond and has never contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I was booking a reservation for a hotel on the XXXX website. Once I got to the reservation page there was a promotion for {$100.00} credit and XXXX points after {$2000.00} worth of spending was done. I clicked on the link and it redirected me to a pop up page that had both the XXXX and American express logos on it. I proceeded to apply for the card and was approved. After being approved it proceeded to ask if I wanted American express to forward this card information to XXXX so that the current reservation will be processed under the card. I accepted and it showed an Amex payment selection on the XXXX reservation page, that i selected. I proceeded to click to reserve my XXXX booking and I ended up getting a pop-up window to try again and if not to call support. I tried to click a few more times with no the same result of the pop-up window. I tried chat support that referred me to the local hotel and they connect me to XXXXXXXX XXXX support. XXXXXXXX XXXX support stayed on the line and connected with American express. They proceeded to tell me I had to wait until I had the card and there was no such process of American express sending the card info to XXXXXXXX XXXX to make the reservation right away. Be aware either thier process has been hijacked\compromised or they are commiting misleading consumer practices. I have worked in IT security for a financial company and there is definitely something wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
I recently looked at a copy of my credit report, and noticed a bunch of inaccuracies on my account. This account is hurting my ability to obtain credit at this time. Its my understanding that Experian Transunion and Equifax with account insured accuracy here on these account. XXXX asking you to verify as accurate. The accounts are 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 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 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am filing a complaint against Synchrony Bank for unfairly forfeiting {$54.00} in XXXX rewards points upon canceling my XXXX Secured Credit Card. 

I was never late or delinquent on payments. This month, I mistakenly used the wrong saved bank card to pay my bill after losing my wallet and having them replaced, which resulted in a failed payment. I immediately corrected the error by paying with an updated card. 

Despite this correction and my otherwise spotless payment history, Synchrony automatically closed my account and informed me that my accrued {$54.00} in rewards would be permanently forfeited with no chance to redeem them or transfer them to my XXXX account. 

I believe this is an unethical and disproportionate response for a simple and corrected mistake. One that all took place prior to the due date, so that the bank received the payment for more than the minimum amount due, prior to the due date itself. In addition, the rewards were already earned, and I request assistance in reclaiming them.

I have documentation, including a recent statement showing the earned rewards, and am happy to provide proof.

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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MO

Complaint narrative:
Received the following statement in an email from The U.S. Department of Education ( ED ) : " The U.S. Department of Education has determined that the federal student loan ( s ) you received to attend XXXX University ( XXXX ), now known as the University of Arizona Global Campus ( UAGC ) on or after XX/XX/XXXX, through XX/XX/XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ).

Your loan ( s ) will be discharged as part of an ED action regarding loans made to students attending XXXX between XX/XX/XXXX, through XX/XX/XXXX. This action follows EDs finding that XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment and/or violated state consumer protection laws. '' This has not been removed from my account, and I am still required to pay on loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I have up vehicles and they charged off and still sent to collections anyway and the and over 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an unresolved dispute I filed with Equifax & Experian concerning inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes and respond within 30 days. However, it has been more than 30 days since I submitted my dispute, and I have not received any resolution or update.

Despite my timely submission and providing supporting documentation, the credit bureau ( s ) have failed to meet their legal obligation to respond within the statutory timeframe. This delay is impacting my credit standing and may be causing financial harm.

I am requesting the CFPB to investigate this matter and ensure that the credit bureau ( s ) provide a timely resolution to my dispute. I would also like the inaccurate item ( s ) removed or corrected promptly, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My personal & financial information was compromised, violating FERPA. I am requesting full cancelation of student loan debt attached to my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
When I checked my credit report earlier today, I was surprised to find some inaccurate accounts listed, and I dont know the reason behind it. This isn't the first time Ive looked at my report, but these errors are new. I thought it might be a browser issue, so I refreshed the pagebut the discrepancies stayed. Thats why Im asking you to thoroughly examine the documents Ive provided to resolve this once and for all.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I was enrolled in a forbearance program with Citi ( XXXX XXXX ) due to XXXX XXXX and resumed payments as agreed. Despite this, they inaccurately reported XXXX consecutive late payments, XXXX, XXXX, XXXX, and XX/XX/XXXX, while I was still under the approved forbearance. This directly violates XXXX XXXX of the CARES Act, which states that any account that was current before entering forbearance must continue to be reported as current throughout the relief period.

To make matters worse, the reporting itself is inconsistent and shows clear error : the third and fourth months ( XXXX and XXXX ) are marked only as 60 days late, which makes no sense, those should be showing as 90 and 120 days late if they were truly unpaid. This contradiction alone highlights how inaccurate the reporting is.

Ive been a loyal Citi cardholder for 18 years with a perfect payment history. To be penalized like this during a national emergency is not only unjust... its ludicrous. From XX/XX/XXXX through XXXX, I have made multiple attempts to correct this. I submitted letters, spoke with upper management, and even contacted Citis executive office, spending hours trying to resolve this. I was also battling a serious health crisis during that time, and still acted responsibly by entering the forbearance agreement and honoring its terms.

This type of reporting is not only in violation of the CARES Act but also falls under COVID related credit reporting abuse, which the Consumer Financial Protection Bureau ( CFPB ) has warned creditors against. The FCRA holds data furnishers accountable for accurately reporting consumer data, and Citi has failed to comply with those standards in this case. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Moore Law Group
State: CO

Complaint narrative:
Moore law group improperly garnished my bank account without proper notification as is required by the state of Colorado

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CO

Complaint narrative:
I am formally disputing the following late payment entries on my credit report These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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