vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I submitted a payment through Active Networks processing system as required for the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX to pay a one time charge for an open tryout. Active Networks XXXX  automatically enrolled me in recurring payments for {$99.00} for a service that I did not select. This was somehow added via some click wrap or background embedded acceptance. I found this fraudulent charge and immediately notified the XXXX XXXXXXXX XXXX XXXX XXXX. He stated that I must have signed up for the service on accident which leads me to believe he is well aware of this flaw in the system and XXXX be receiving financial incentives for using the platform and or any subsequent fraudulent memberships. I also submitted a complaint request to Active Network via their platform ( see screen shot ). This complaint was submitted on Monday XX/XX/year> and to date I have not received a response. The company has gone radio silent. I would like to investigate this fraudulent charge and any relationships where individuals without any knowledge are forced to utilize this platform for financial gain of unethical partnerships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Credit Card Settlement and Credit Reporting Dispute XX/XX/XXXXXXXX  Chase customer service contacted me to resolve a balance on my XXXX XXXX XXXX. The representative informed me that if I paid {$560.00}, the account would be considered paid in full, and no negative information would be reported to the credit bureaus. The representative assured me that this payment would resolve the debt and prevent any derogatory credit reporting. 
Confirmation number : XXXX For chase payment I made the full payment of {$560.00} as agreed. I did not receive any indication that the account was still considered unpaid or that derogatory reporting would follow. 
When I noticed i filed a dispute to all the credit bureaus and nothing changed however, on XX/XX/XXXXXXXX XXXX XXXX XXXX I received a phone call from a Chase collections representative claiming that I still owed a debt on the same account. This was shocking, as I had already paid in full based on the previous settlement agreement with a Chase representative. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I called Chase Card Services Executive Office to address the issue. I was transferred to the collections department. The representative was extremely disrespectful, raised their voice, and told me that the original agreement was meaningless and that the negative credit reporting would remain permanently. I was told there was nothing I could do, and the agent refused to escalate the issue or provide a written resolution. 

I reviewed my credit reports and found that Chase had reported the account as Paid less than full balance or with derogatory comments, contrary to the settlement agreement I was promised.

I am filing this formal complaint and dispute. Chases behavior constitutes : A misrepresentation of the terms of a debt settlement A potential violation of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting the debt A possible violation of the Fair Debt Collection Practices Act ( FDCPA ) due to the harassing tone and misinformation provided by the collections representative I paid a settlement in full based on Chase 's representative 's agreement The account should be reported as " Paid as agreed '' or at the very least " Settled in full '' Chase is now reporting it with derogatory remarks after telling me they wouldn't

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against MOHELA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the U.S. Department of Education ( Office of Federal Student Aid ) regarding their failure to properly implement my student loan discharge and their continued inaccurate credit reporting. 

On XXXX XX/XX/year>, I received official confirmation from the U.S. Department of Education that my federal student loans were discharged under the Public Service Loan Forgiveness ( PSLF ) program ( see attached documentation, FSA Feedback Case No. XXXX ). 

Despite this discharge : XXXX. MOHELA/XXXX  continue to show my loans as active in their servicing records. 
XXXX. These loans are still being reported to the credit bureaus as outstanding with a balance, negatively impacting my credit profile. 
XXXX. I have contacted the servicer and provided documentation, but no corrections have been made. 

This constitutes : A violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of consumer credit information. 
A failure by the Department of Educations contracted servicer ( s ) to properly implement federal loan discharge obligations.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Carvana Group, LLC
State: KY

Complaint narrative:
Carvana car dealership issued me a fraudulent check for reimbursement, and after I deposited it in my account, my account with my emergency funds was closed immediately, and so was my access. Despite the bank trying to get into contact with Carvana, they denied to talk to talk to them. And when I asked to talk to Carvana, I was told there would be first talk to treasury and theres no way to physically contact them, therefore leading to a hold, and me getting numerous loans to cover that emergency and wasting time and money traveling back and forth talking to both bank the car dealership.

The emergency was to release a towed Carvana vehicle that was in transit for a registration, and they still denied to do anything on their part to help me get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I found more supporting documentation for this matter On XX/XX/XXXX I became aware that the National Credit Systems Inc reported a debt of approximately XXXX dollars, to my rental credit report ( XXXX XXXX ). I disputed this matter on XX/XX/XXXX by email and by certified mail on XX/XX/XXXX. The company never validated the debt or sent me any correspondence. Upon reviewing the tenant screening report further, I found they placed the account on XX/XX/XXXX before the initial collection notice went out on XX/XX/XXXX which violates the Fair Credit Reporting Act giving consumers XXXX  days to dispute their notice in which they conducted in fraud. Furthermore, there are no money, civil judgements in relation to this said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint because I am being pursued for debt collection accounts that do not belong to me. Several years ago, I was the victim of identity theft, and as a result, fraudulent accounts were opened in my name without my knowledge or authorization. These accounts have since been reported to debt collectors, who are now attempting to collect on balances that I did not incur and do not owe. I have disputed these debts directly with the collectors and the credit bureaus, making clear that XXXX XXXX not responsible for them. 
Despite my disputes and the fact that these debts stem from identity theft, collection activity has continued, causing harm to my credit, financial stability, and peace of mind. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent debts are removed, and that the collectors cease all further collection efforts against me. I can provide supporting documentation, including my prior identity theft report, correspondence with collectors, and evidence of my disputes, to verify that XXXX XXXX not liable for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX - XXXXXXXX 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 XXXXXXXX - XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XX/XX/year> at around XXXX, my Wells Fargo account with {$1000.00} was closed suddenly with no notice just as I was about to pay my emergency bill. 

While I declared innocence and provided proof in the meantime and the investigation is going on, I was told ( in their email ) that I could still access my funds. 
My complaint is that the Wells Fargo is withholding access to my money and asking my to travel to a branch despite knowing Im XXXX miles away from the closest one. They are demanding physical presence, and most importantly my digital access was cut off, just to further withhold my access to the funds I urgently need.

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 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I, XXXX XXXX, am a member of Navy Federal Credit Union ( NFCU ). When I became aware of an attempted unauthorized action in which an unknown party tried to add my NFCU account to XXXX XXXX without my consent. 

Immediately after discovering this attempt, I contacted Navy Federal Credit Union to report the incident and to request that steps be taken to secure my account and prevent fraud. However, Navy Federal informed me that there was nothing they could do in response. I was advised only that I could either verify the request or choose verify later. 

No provisional credit, account security protections, or preventative measures were provided to me at that time. This response leaves my account exposed to continued risk of fraud and identity theft. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and review Navy Federal Credit Unions policies and practices for addressing attempted unauthorized use of consumer accounts with digital wallets such as XXXX XXXX 

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: OR

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-26 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: NC

Complaint narrative:
I am filing this complaint against Equifax regarding its continued reporting of a XXXX XXXX XXXX charge-off account. As the CFPB confirmed in XXXX, XXXX engaged in unfair and abusive practices by placing consumers into loans it knew were unaffordable. XXXX agreed to pay {$550.00} XXXX in restitution and relief. This history makes their reporting unreliable and raises doubt about whether Equifax can reasonably certify the accuracy of the tradeline. Despite my dispute, Equifax verified the account without producing documentation, which violates FCRA 611. Please see attached dispute letter where I included XXXX among other accounts. I am specifically referencing the XXXX account in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing regarding the wrongful restriction and effective closure of my account, With Citizens Bank . 

On XX/XX/year>, I deposited a legitimate check for {$4300.00} from my XXXX XXXX XXXX XXXX and XXXX XXXX. Without any notice or justification required by Regulation CC, the bank placed an extended hold on these funds. 

Subsequently, on XX/XX/scrub>XXXX  the bank locked me out of my account entirely, denying me access to all my funds without any explanation, after i called in for clarification. This action constitutes a breach of our deposit agreement and potentially wrongful dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
I sent a debt validation letter to this company requesting proof of this alleged debt and credit bureau also. I'm asking for Original Contract Agreement, Sign Agreement, and all signed documents not monthly statements for this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
To Whom It May Concern : I am filing a complaint regarding unauthorized credit inquiries that were placed on my credit report without my knowledge or consent. 

On reviewing my credit file, I discovered inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( s ) ] dated ON XXXXXXXX XXXX I never applied for credit with these companies, nor did I authorize them to access my credit report. These inquiries appear to be in violation of the Fair Credit Reporting Act ( FCRA ), which requires that companies have a permissible purpose before obtaining a consumers credit file. 

I have contacted the credit bureaus and the companies in question, but the inquiries remain. This activity is damaging my credit profile and could be linked to possible identity theft.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sent some money to people I owed about 6 people after my XXXX hit. I then tried to use an atm and card declined so I did two transfers to my bank instantly. After that couldnt do anything at all. Support says my account is not locked or frozen I just tripped a security flag and it will supposedly reset In 48 hours. I have to pay rent today or Im evicted and will be a XXXX veteran. The support says they can do nothing. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
The following items need to be removed from my credit report because I did not authorize them and have no knowledge of them. My information was leaked in the data breach, and now accounts have been opened under my name without my knowledge, and I am a victim of identity theft. These negative items are causing me distress because I am not able to get approved for my apartment. If these items are not removed in the next 7 days, I will have no choice but to sue. These items have also already been removed by 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 2025-09-26 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

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 2025-09-26 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: IL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) against [ Experian/Equifax/TransUnion ] regarding an account reported by XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. 

I disputed this account as inaccurate. The credit bureau responded that the account was verified. However, under FCRA 611 ( a ) ( 7 ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I requested the method of verification specifically, the description of the procedure used to determine accuracy and the furnishers name, address, and telephone number. 

The bureau failed to provide this information. This is a direct violation of the FCRA, which grants me the right to receive a full description of the verification process. Without proper verification, this account remains unverified and should not continue to be reported. 

Additionally, under FCRA 607 ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of information. By failing to provide documentation of verification, [ Experian/Equifax/TransUnion ] has not met this requirement.

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