vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am writing to respectfully request a goodwill adjustment regarding a derogatory account reporting on my credit file with Navy Federal Credit Union. As a member of the U.S. military, my relationship with your institution has been of great importance, and I deeply value the trust and support Navy Federal provides to service members. 

In XXXX, I attempted to resolve the outstanding balance on my account. Despite my efforts to make payments, they were not accepted, and I was later served with legal documents. Before the court date, I made arrangements to settle the debt and avoid litigation. This demonstrates my willingness and ability to take responsibility and resolve the matter outside of court. 

Given that the issue has been addressed, I am requesting that the derogatory account be either : - Removed from my credit reports, or - Updated to reflect a 'paid ' or 'current ' status. 

This request is made in good faith and in accordance with the Fair Credit Reporting Act ( FCRA 602, 609, 611 ) and my rights under UCC 1-308. I hope Navy Federal will consider this adjustment as a goodwill gesture in support of my ongoing efforts to maintain financial and professional integrity as a military service member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One credit card company is questioning how I made a payment to my credit card in XX/XX/year>2025. I supplied the XXXX XXXX XXXX account statement from where the payment was made! It is not a bank account but Capital One can not understand this. They have suspended my account! I did nothing wrong. Ive never heard of this before. What is their business as to where I get my money from? This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to bring attention to an inaccurate and misleading charge-off currently being reported by both Experian and Equifax related to a XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX. This account was paid in full and closed as of XX/XX/year>, and reflects a {$0.00} balance on both credit reports. Despite the fact that this account no longer has any outstanding debt, both bureaus continue to categorize it as a charge-off, which is factually incorrect and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they include in credit reports. There is nothing accurate about labeling an account as charged off when it was paid and closed. Charge-offs are reserved for delinquent accounts that creditors have written off as a loss. Once the balance has been satisfied and no further obligation exists, continuing to display a charge-off status is not only misleading but also legally indefensible.

In addition, under 15 U.S. Code 1681i ( a ), I have the right to dispute any item I believe to be inaccurate or incomplete. Upon disputing this tradeline in the past, I received a generic response claiming the account was " verified. '' However, no valid documentation was provided, nor was there any explanation as to why a paid and closed account with a {$0.00} balance is still being displayed in a derogatory manner. This undermines my right to a fair and accurate credit profile and demonstrates a lack of due diligence by both the bureaus and the original creditor. 

The continued misreporting of this account has caused me direct harm. Ive experienced elevated interest rates, declined credit applications, and reputational damage due to what lenders perceive as a significant derogatory mark. It is humiliating and demoralizing to be judged by false data, especially for an obligation I fulfilled nearly a decade ago. There is no justification for relabeling my financial responsibility as a default when it is clearly not one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
I signed up for a free trial subscription through the XXXX XXXX XXXX using XXXX XXXX. The trial was clearly set to end on XX/XX/year>, but the merchant ( XXXX XXXX XXXX, using a 3rd-party billing service ) initiated the charge on XX/XX/XXXX, a full day early, violating trial terms and taking money without valid authorization. 

I canceled the subscription on XX/XX/XXXX at XXXX XXXX, which was within XXXX 's stated XXXX refund policy. However, I was caught in a loop between XXXX and the merchant, with both refusing responsibility. 

The billing email listed on the receipt bounced back it was full and not monitored. 

I later found a different support email that finally responded, but they said only XXXX can issue refunds. 

When I contacted XXXX, they said its up to the merchant and denied the refund. 


I then disputed the charge with XXXX XXXX XXXX in XXXX, TX. It was initially denied twice until I went into the branch, provided documentation, and got it approved. 

But XXXX months later, the bank reversed the refund without ever informing me. I received no notice no email, no letter, no alert and was never told the refund was provisional. This sudden reversal happened on a Friday and took money that was set aside for rent, causing serious financial strain.

This violates Regulation E under the Electronic Fund Transfer Act, which requires clear notice when reversing credits. I followed all proper steps in good faith. All three entities XXXX, the merchant, and the bank failed to resolve the issue, leaving me financially harmed without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, my daughter, whose Truist checking account I am on, called Truist regarding a scam check, made out to my daughter, that was sent to her in an email after speaking to who she thought was XXXX Customer Support. The check was supposed to be a replacement of a XXXX payment that didnt go through. This check was instead a scam and Truist decided to block/close not only my daughters checking account, but my sole account, along with my sons account that I am also on. Truist did not contact me about this and I only found out after I received emails about returned payments. The scam check was deposited on XX/XX/XXXX and returned on XX/XX/XXXX. I have spoken with 7 agents on the phone, 2 supervisors, and even went into a branch, and the rep in the branch could only call the same customer service number that I had. My accounts are still closed. I am unable to access any of my money to pay bills or buy food. Truist tells me they are unsure when my account will be reopened or if they will terminate them. Each person Ive spoken with has said they are waiting for the analyst to investigate. As of XX/XX/XXXX, they were waiting for the check to be returned. It was returned on XX/XX/XXXX and they are still holding my accounts closed until they decide whether to terminate my accounts over a scam. I told the supervisor on XX/XX/XXXX that they can close them and I will be there to get my cash. He replied that I had to wait for the analyst to close the case because he can not. No one at Truist has helped escalate this issue and resolve it and they are leaning on the work of a ghost of a person ( analyst ), who no one can physically talk to. In addition to this, I found out this morning, when applying for a checking account at another bank, that Truist has placed my accounts in high risk status. Therefore, attempting to block me from being able to bank somewhere else.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hi, this is XXXX XXXX. I have contacted Amex more than one hundred times about my fraud cases, and they are not standing by my side even though I have provided all details and proofs showing I was the victim of the fraud. They cancelled all my cards and asked me to be liable for all charges. There are XXXX charges that are fraudulent. XXXX is on the card ending in XXXX XXXX XXXX card. When the charge happened, I directly reponded to the alert message and specialist from amex gave me a call for all details. After several weeks, they asked me to be responsible for that. Second is on the XXXX XXXX XXXX ending in XXXX. My XXXX account was hacked and I lost the access to the XXXX account. XXXX confirmed that with me and sent me an email to prove the fraud. I forwarded the email to amex but they refused to use it. The third fraud was charged in XXXX that is insane. Please settle all these cases for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm disputing several accounts that are showing late payments and was included in bankruptcy. At experien.

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 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am the victim of identity theft. In XX/XX/year>, I discovered that multiple fraudulent accounts, unauthorized inquiries, and false addresses were added to my credit reports without my knowledge or consent. These fraudulent activities negatively impacted my creditworthiness and personal financial reputation. 

Several accounts were opened using my name and Social Security number without authorization, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1100.00} My credit file also shows unauthorized hard inquiries by various lenders, including multiple auto finance companies and credit unions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and many others. These inquiries occurred without my permission and were likely attempts to obtain credit fraudulently. 

Furthermore, the following addresses were added to my credit profile fraudulently, and I have never lived at or used these locations : 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 I am asserting my rights under : 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires that any information resulting from identity theft be blocked within 4 business days of notice.

15 U.S.C. 1681s-2 and 1681i, requiring reinvestigation and removal of disputed items. 
15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), requiring debt collectors to verify debts and cease collection if disputed as identity theft. 

I have submitted disputes to the credit bureaus ( XXXX XXXX  TransUnion ) and specialty agencies XXXX XXXX XXXX XXXX XXXX, XXXX ) with the required FTC Identity Theft Affidavit and a police report. I am requesting that the CFPB compel these agencies and furnishers to permanently remove all fraudulent data and cease further damage to 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank is holding cleared funds from a business check deposited into my account. The check was placed on a hold for 7 days, and on the day it cleared, Chase restricted my account.

Their reason was a discrepancy between the PO Box listed on the check and my registered business address with the Secretary of State. However, the business that wrote the check has confirmed directly with Chase that they issued it to my company.

Chase is still refusing to release the cleared funds despite proper verification, and I have received no clear written explanation about what further documentation is required or why this continues to be delayed. 
I believe this is an unreasonable hold that violates my rights under Regulation CC and is creating financial harm.

I am requesting that Chase release the funds immediately or return the check if they refuse to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used XXXX Chase Ultimate Rewards points ( XXXX XXXX XXXX XXXX ) to book a hotel through Chase XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realized that my travel plans had changed and immediately began contacting all my booking platforms to inquire about changing the dates. All of them, including Chase XXXX, initially confirmed that a change was possible. 

During my first call with Chase XXXX, I was told the new dates ( XX/XX/year> ) were available and that the hotel had agreed to the change. They quoted the price difference and asked if I was ready to proceed. I told them I needed to finalize the rest of my schedule changes with other hotels before confirming. 

Because of this clear verbal assurance, I modified my flights and rebooked all my other hotel reservations accordingly. 

After finalizing my other travel plans, I called Chase XXXX again. I confirmed the new dates and price difference, and was told everything was arranged the only thing left was approval from the daytime XXXX. I was specifically told that the XXXX would approve the change no later than XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 

When I followed up again on XX/XX/XXXX, I was still told to wait. However, on XX/XX/XXXX at XXXX  I was suddenly informed that the change could not be made after all. 

By then, it was too late to reverse all my other plans. I had relied in good faith on Chase XXXX repeated confirmations. 

Afterward, Chase offered me only XXXX points as a goodwill adjustment. This is completely inadequate. I have now suffered over {$1000.00} in financial loss and had to rebook the hotel out-of-pocket, which also caused a great deal of stress and disruption. 

As a loyal Chase customer and XXXX XXXX cardholder, I am deeply disappointed in how this was handled. I am requesting a full reimbursement of the XXXX points or equivalent compensation for the loss caused by Chase XXXX repeated misrepresentations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I settled this debt and they are still reporting as an open delinquent account on my credit report. Please have them correct this as my score dropped XXXX points yesterday because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: AL

Complaint narrative:
report inaccurate unverfied info on my report showing missed payment on my credit report and student loans are paused at this time and balance is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-07-19 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: MD

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 605B 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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AK

Complaint narrative:
Sometime back in the XXXX XXXX XXXX I had my XXXX XXXX XXXX XXXX in the amount of {$1300.00} Sent To My Cashapp account with the XXXX XXXX XXXXXXXX via direct deposit. I unfortunately no longer had access to the phone number used nor the email on file that I registered with Cashapp to open that account. I called customer support services numerous times and was told any remaining funds in my closed account couldn't be released to me unless I recovered either the phone number used on account in question or The email linked to that Cashapp account. I was unable do either. When i try yo pull up my former Account that was closed it says that account doesn't exist yet when I have anyone else with an active Cashapp account search for my account with XXXX XXXX XXXX low and behold my account pops up! I am very frustrated over this matter and would like to have my XXXX XXXX XXXX XXXX XXXX that was sent to the account in question and closed for suspicious activity which frankly I have no idea where that arose from returned back to me.

Company response to consumer: Closed with explanation