vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding a second account with Navy Federal Credit Union that was charged off with a balance of XXXX. Despite being charged off, the account is still showing active collections status and continues to report missed payments on XXXX XXXX, which I believe is misleading and damaging. 

A charge-off indicates the creditor has closed the account and written it off as a loss. However, continued monthly reporting of missed payments after the charge-off date is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires information to be accurate and not misleading. 

I am currently under financial hardship and will never be able to pay this balance. The way this account is being reported gives the impression that the delinquency is still active, when it is not. This is severely impacting my credit profile and ability to recover financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Duplicate and inaccurate information on credit reports even after corrected XXXX XXXX EXPERIAN have multiple inaccurate business names on my report Please remove " XXXX XXXX '' " XXXX XXXX XXXX '' " XXXX XXXX '' " XXXX XXXX XXXX '' the only accurate name on the report is " XXXX XXXX XXXX '' and should only appear once.

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There was some unauthorized uses on my debit card. Wells Fargo sent me a new debit card and opened a claim. They later said those uses were found used by me, which is impossible because I live in New York and they were used in XXXX Then there was some transfers made. They asked me if I transferred the money I said no I called Wells Fargo. They said they would transfer me to their online fraud department. They transferred me. I started talking to the online fraud department. They transferred me to. They said they would close my account and open a new one The online fraud department they supposedly transferred me to started wiring some money and such to open the new account and in a few days when this new account wasnt opened, I called Wells Fargo back and said whats the status and they said oh youve been scammed. The call was intercepted you were never talking to Wells Fargo when I said open a claim and give me my money back they said youre covered by fraud, but not scams And so we probably cant get your money back and then they close the claim and said we cant get your money back this is ridiculous. This is Wells Fargos fault that was my entire kids college fund. I am a XXXX veteran a single mom this is not OK.

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 2025-03-30 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: NY

Complaint narrative:
I have disputed multiple inaccurate and unverifiable accounts on my Experian credit report over the past few months. I first submitted my dispute on XX/XX/year>, and despite sending follow-ups, Experian has failed to correct or delete the errors. They have also not provided any verification or proof to support the disputed accounts. 

I have disputed the following issues : Unauthorized hard inquiries that I never consented to, violating FCRA 15 U.S.C. XXXXb. 

Despite multiple dispute rounds, Experian has failed to provide verification or remove the disputed items, as required under FCRA 15 U.S.C. XXXXi ( a ). Their failure to comply is negatively impacting my credit score and financial well-being. 

I have now submitted this complaint to the CFPB because Experian is not taking corrective action as required by law. I expect them to resolve this issue immediately by either verifying the accounts with proper documentation or permanently removing them from my 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 explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am writing to formally dispute unauthorized transactions that have occurred on my Chime Financial Inc account. 

The details of the transactions are as follows : Transaction Date : XX/XX/year> Transaction Amount : {$160.00} Transaction ID : XXXX I did not authorize these transactions, and they were made without my knowledge or consent. I request that you investigate these transactions and take immediate action to reverse the charges and refund the amounts to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
Some time ago, I discovered numerous unfamiliar and clearly fraudulent accounts on my credit reportso many that I couldnt even begin to trace where they came from or how my identity was compromised. In an effort to resolve this, I followed protocol and formally requested validation for each of these accounts from the credit bureau. I specifically asked for original signed contracts, so I could determine who had used my identity and have these accounts properly removed. 

XXXX months ago, I submitted a detailed letter along with an FTC Identity Theft Report, exactly as instructed by the bureau. Yet, to date, I have received no original contracts, no explanation of the method of verification, no details about who was contacted at the reporting companiesand most concerning of all, these fraudulent accounts are still being reported. 

This lack of response is unacceptable. I am requesting immediate action to have these accounts removed from my credit file without further 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 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is refusing to pay the required arbitration fees for both accounts ( Midland took me to court & judge ordered private arbitration ), violating the terms of the arbitration agreement with the original creditor. This refusal undermines the dispute resolution process outlined in the agreement and has caused unnecessary delays and emotional distress.The agreement explicitly requires that disputes be resolved through arbitration. Midland Credit Management refusal to pay the arbitration fees has effectively blocked the process from moving forward, making it impossible to resolve the dispute as outlined in the contract. Midland Credit Management actions have caused significant emotional distress, as I am unable to have the matter resolved through the arbitration process as agreed & per the judge orders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
EXPERIAN / EQUIFAX / TRANSUNION Metro 2 Compliance Investigation Subject : Metro 2 Compliance Dispute Collections Accounts Errors Dear Credit Reporting Agencies, This letter serves as my official notice demanding a Metro 2 compliance investigation into the collection accounts inaccurately reported by XXXX XXXX XXXX and XXXX XXXX XXXX across Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), it is mandatory that all credit reporting agencies maintain accurate, complete, and verifiable records.

Upon detailed review, the following discrepancies and inaccuracies were identified : KEY FOR STATUS : - Consistent/Accurate | - Inconsistent/Inaccurate | - Missing/Not Reported Collection Agency Collection Agency | Account Number | Field | Experian | Equifax | TransUnion -- -- -- XXXX -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX | XXXX | Original Creditor Name | Not Reported | Not Reported | XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX | Condition/Status | Closed | Unknown | Open XXXX XXXX XXXX  XXXX | Original Creditor Name | Not Reported | Not Reported | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Condition/Status | Closed | Unknown XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name | Not Reported | Not Reported | XXXX XXXX XXXX XXXX XXXX XXXX XXXX| XXXX | Condition/Status | Closed | Unknown | Open These clear inaccuracies are severe deviations from Metro 2 compliance standards, posing substantial harm to my creditworthiness and financial security. It raises my susceptibility to identity theft and misrepresents my financial history.

Pursuant to the FCRA and CDIA Metro 2 Compliance standards, I demand : Immediate Metro 2 compliance audits on all mentioned collection accounts.

Accurate verification and correction of the listed discrepancies.

Complete deletion of unverifiable or inaccurately reported data from my reports.

I have documented evidence to substantiate these claims and am prepared to escalate this issue legally and through regulatory channels if prompt action is not taken within the statutory 30-day period.

Thank you for your immediate corrective action.

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 2025-03-30 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: FL

Complaint narrative:
EXPERIAN / EQUIFAX / TRANSUNION Metro 2 Compliance Investigation Subject : Metro 2 Compliance Dispute Collections Accounts Errors Dear Credit Reporting Agencies, This letter serves as my official notice demanding a Metro 2 compliance investigation into the collection accounts inaccurately reported by XXXX XXXX XXXX and XXXX XXXX XXXX across Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), it is mandatory that all credit reporting agencies maintain accurate, complete, and verifiable records.

Upon detailed review, the following discrepancies and inaccuracies were identified : KEY FOR STATUS : - Consistent/Accurate | - Inconsistent/Inaccurate | - Missing/Not Reported Collection Agency Collection Agency | Account Number | Field | Experian | Equifax | TransUnion -- -- -- XXXX -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX | XXXX | Original Creditor Name | Not Reported | Not Reported | XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX | Condition/Status | Closed | Unknown | Open XXXX XXXX XXXX  XXXX | Original Creditor Name | Not Reported | Not Reported | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Condition/Status | Closed | Unknown XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name | Not Reported | Not Reported | XXXX XXXX XXXX XXXX XXXX XXXX XXXX| XXXX | Condition/Status | Closed | Unknown | Open These clear inaccuracies are severe deviations from Metro 2 compliance standards, posing substantial harm to my creditworthiness and financial security. It raises my susceptibility to identity theft and misrepresents my financial history.

Pursuant to the FCRA and CDIA Metro 2 Compliance standards, I demand : Immediate Metro 2 compliance audits on all mentioned collection accounts.

Accurate verification and correction of the listed discrepancies.

Complete deletion of unverifiable or inaccurately reported data from my reports.

I have documented evidence to substantiate these claims and am prepared to escalate this issue legally and through regulatory channels if prompt action is not taken within the statutory 30-day period.

Thank you for your immediate corrective action.

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 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX for Attempted Collection of Invalid Debt Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX regarding their attempts to collect a debt that I do not owe. The collection agency has failed to provide the required validation of this debt, violating my consumer rights under federal law. Below are the details of my complaint : Debt Collection Agency : XXXX XXXX Account Number : XXXX Amount Allegedly Owed : {$1500.00} Violations of Federal Consumer Protection Laws 1. Failure to Provide Debt Validation ( 15 U.S.C. 1692g of the FDCPA ) I submitted a request for debt validation, yet XXXX XXXX has failed to provide adequate documentation proving that I owe this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide validation upon request, including : The name of the original creditor A copy of the original contract or agreement A detailed itemization of how the debt amount was calculated Evidence that XXXX XXXX has the legal authority to collect this debt As of today, XXXX XXXX has not provided this information, which means they have no legal basis to continue collection efforts. 
2. Attempted Collection of an Unverified Debt ( 15 U.S.C. 1692e ) The FDCPA prohibits debt collectors from using deceptive or misleading practices, including attempting to collect a debt without proper verification. Since no valid contract or proof of ownership of the debt has been provided, XXXX XXXX is engaging in unlawful collection attempts. 
3. Possible Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) If XXXX XXXX has reported this unverifiable debt to any credit reporting agencies, they are in violation of the Fair Credit Reporting Act ( FCRA ), which requires debt furnishers to only report accurate and verifiable information. 

Requested Resolution I request that the CFPB investigate XXXXXXXX XXXX  actions and take appropriate enforcement measures. Additionally, I demand : Immediate cessation of all collection attempts regarding this unverified debt Removal of any negative credit reporting related to this account A formal response from XXXX XXXX confirming the closure of this matter I request that this complaint be formally recorded, and I appreciate your attention to this issue. If additional information is needed, I am happy to provide it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I have been making monthly payments for years, but in XX/XX/year>2024, my payments were being rejected without my notice. The rejections had nothing to do with my balances, but must have been technical. 

I called Mohela and was finally able to speak with someone, make a payment, and receive a confirmation. That payment was also rejected!!!!.. Now, when I see that the payment was rejected, I place it in an escrow account until this issue is resolved. 

My credit score was recently reduced from XXXX to XXXX because they reported an error. This is just unreal. I called them again and was told the wait was XXXX XXXX long. I could not hold that long. 

I need them to correct my credit score as these rejected payments are not my fault. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
In XXXX of XXXX, I was contacted by someone named XXXX XXXX who said he was from PayPal, and that my account was hacked. He offered to repair any damages done, asked for my ID, etc... 
In XXXX, I received an email from PayPal saying that owed money for a credit card that was opened in my name at PayPal. I contacted PayPal, and found that a card was issued under my name, without my consent, on XX/XX/year>. The amount owed is over {$3600.00}. PayPal said they shut down the account, which I have not used in at least XXXX XXXX XXXX years. Then they opened a new account. They said they would investigate, and that it could take 60 days. Now, I have received a Bill from PayPal, saying that I owe the money.

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 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My federal student loan was transferred from Great Lakes to Nelnet without prior notice or my consent, which is a violation of federal regulations. I was never informed of the transfer, nor did I authorize it. This resulted in changes to my repayment plan and fees that I did not agree to. I filed a formal written dispute with Nelnet on XX/XX/year>, and also CCd the Department of Education, CFPB, and FTC. To date, I have not received proper documentation, justification, or resolution. This raises serious concerns under the FCRA, GLBA, HEA, TILA, and federal loan servicing guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I hope you're doing well. I'm writing to address an issue regarding the theft history that appeared on my credit report. 

Recently, I discovered that there were unauthorized transactions and accounts listed under my name, which I believe are a result of identity theft. This situation has caused significant concern for me as it impacts my creditworthiness and financial stability. 

Upon noticing these discrepancies, I took immediate action by contacting the relevant financial institutions to dispute the fraudulent accounts and transactions. Im now filing a report with the Federal Trade Commission ( FTC ) and placing a fraud alert on my credit file to help protect against further unauthorized activity. 

I am currently working to resolve this matter and ensure that my credit report accurately reflects my financial history. I appreciate your understanding and support as I navigate this challenging situation. 



Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
Dear Cash App Customer Support, I am writing you as an aggrieved, indigent man to formally dispute unauthorized transactions that have occurred on my Cash App account. The details of the transactions are as follows : Transaction Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transaction Amount : {$10.00}, {$10.00}, {$10.00}, {$.00}, {$9.00}, {$1.00}, {$4.00} and {$9.00} Transaction ID : XXXX I did not authorize these transactions, and they were made without my knowledge or consent. I request that you investigate these transactions and take immediate action to reverse the charges and refund the amounts to my account.

Company response to consumer: Closed with explanation