vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Basis of Dispute 1. Closed Account Reporting with Balance The account is marked as closed, yet it continues to report a balance of {$3700.00}, which is inconsistent with proper reporting standards. Closed revolving accounts should not continue to report an active balance in this manner.

2. Payment History Errors The account reflects multiple late payments even after being reported closed, which is misleading and may constitute inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). Furnishers of credit data are required to report with maximum accuracy.

3. Derogatory Reporting Without Proper Validation Continued derogatory reporting without proper notice or validation may be considered misleading and unfair under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading credit 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal is causing delays in my VA loan for frivolous data they claim is required. However, they can not show me any policy stating that it is required. Specifically, they have issue with the commuting distance between my work and the property I'm purchasing. I stated that I XXXX. Then they decided I needed documentation from my supervisor and my company to prove that I XXXX. I asked for them to show me what the mileage requirements are and they have said there isn't one. So They are now returning my application to underwriting because they can not show me what they based their mileage determination on. But in their mind the random distance of XXXX miles is too far. At this point it's no longer about simply providing them with a note from my supervisor, it's about the fact that they can come up with a random requirement one week before closing and then not have any way to explain where the random requirement came from. It's absolutely turned into a XXXX contest over something so trivial. I don't think a bank should be able to do that to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-26 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: CBC Companies, Inc.
State: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I am disputing a late payment entry that has been inaccurately reported under my account. Verified records confirm that my payments were made on time, and this entry is therefore false and misleading. The presence of this error has caused undue harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: LA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company 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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Complaint against Navy Federal Credit Union. I am writing to formally complain about a deeply troubling experience with Navy Federal Credit Union. I have been trying to reinstate my checking account with them, only to encounter obstacles and unacceptable treatment. 

I was informed that I had a charge-off associated with my account. Navy Federal provided me with details pointing to XXXX XXXX XXXX. Upon contacting XXXX, I was told that they have no records linked to my social security number and that the dates associated with the supposed debt were from 17 years ago. Despite this information, Navy Federal insisted on denying my membership reinstatement. 

When I attempted to seek clarification from Navy Federal concerning the charge-off, I was met with dismissive behavior. The representative I spoke with, a manager named XXXX, refused to provide her last name or employee ID. She also told me never to call back and abruptly ended the call. This lack of professionalism and transparency is highly concerning. 

I am a XXXX XXXX veteran, and to be denied services based on an alleged charge-off that is not mine is not only unjust but raises concerns of identity fraud, a serious offense. I firmly believe I am not responsible for this situation and demand it be thoroughly investigated. As a consumer, I should not be held accountable for inaccuracies or the mishandling of information by your institution. 

I urge Navy Federal to rectify this matter immediately and to provide me with the necessary support to resolve this issue. Your attention to this complaint is essential not just for my personal resolution, but to maintain the integrity of your customer service commitments.

Sincerely, 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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My irs refund was deposited into Bank of America I do not have a boa never had boa Ive contacted corporate regarding this and they refer me to irs my irs was confiscated and fraudulent put into this boa account thats not mine I finally went to IRS where they researched this and enclosed is what irs says

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 2025-08-26 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
this company keeps calling after XXXX and never leaving a message to why they are calling. they also have called at XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Request debt Validation from debt collector and have not received info

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 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Dear Lendmark Compliance Department, I am writing to formally escalate my complaint, as your previous response did not adequately address or resolve the concerns I raised.

To clarify : My original loan was opened on XX/XX/XXXX, in the amount of {$5000.00} plus interest. The suggestion that I only opened a loan on XX/XX/XXXX, is misleading. The subsequent loans you reference were the result of deferments that I was pressured into on multiple occasions, which have only increased my debt rather than helping resolve it. 
Contrary to your letter, I have made more than three payments in total. My bank statements provide documentation of these payments, and I request that your records be corrected to accurately reflect my payment history.

I proactively reached out to the branch to negotiate a settlement. My offer was denied outright, and I was told that legal action would be pursued against me instead. To suggest otherwise in your letter is inaccurate. 
The balance continues to increase primarily due to excessive interest, which makes repayment nearly impossible. This loan has become predatory in nature, trapping me in debt rather than providing a fair lending solution. 
Additionally, I must stress that my privacy rights have been violated, as sensitive account information was shared with my place of employment. This is unacceptable and a serious breach of trust. 

Your response that my concerns have been addressed internally does not constitute a resolution. I am requesting the following immediate actions : 1. A corrected and detailed payment ledger reflecting all payments made, fees applied, and interest accruals.

2. A full investigation into the improper pressure applied regarding deferments and the denial of my good faith settlement attempts.

3. A review and explanation of why my account information was shared with my employer, which may constitute a violation of my consumer rights.

4. A meaningful resolution, which may include settlement terms that are reasonable and achievable, as well as the reversal of improperly applied fees. 

This matter is far from resolved, and I expect a substantive response. Please be advised that I am prepared to escalate this complaint further with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and any other applicable regulatory bodies if necessary. 

I will not be silenced or discouraged in seeking accountability and a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CO

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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, Balance : {$180.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Moore Law Group
State: CA

Complaint narrative:
CFPB COMPLAINT ( Complainant ) : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX XXXX ( Respondent ) : THE MOORE LAW GROUP, A PROFESSIONAL CORPORATION XXXX XXXX XXXXXXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX Account Number : [ XXXX ] Complaint Narrative : I am filing this complaint against THE MOORE LAW GROUP, A PROFESSIONAL CORPORATION for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

On XX/XX/XXXX, I sent a written request for validation of an alleged debt pursuant to 15 U.S.C. 1692g ( b ). Then again on XX/XX/XXXX, and then again on XX/XX/XXXX, and then again on XX/XX/XXXX, and then again on XX/XX/XXXX, and then again on XX/XX/XXXX, and once again on XX/XX/XXXX. The collector responded to all my requests, but failed to provide the required documentation ( original signed contract, full accounting, and unredacted chain of title proving ownership ). Instead, they sent generic computer-generated account statements and incomplete documents, over and over again. 

I sent a Final Demand for Proper Validation on XX/XX/XXXX, again pointing out the deficiencies. The collector responded with the same inadequate information and has continued collection activity. 

Their actions constitute ongoing violations of : 1692g ( b ) : Continuing collection activity without proper validation.

1692e ( 5 ) : Threatening litigation that can not legally be taken.

1692e ( 10 ) : Using false and misleading representations.

1692f : Engaging in unfair and unconscionable practices.

1692d : Harassing me through repeated threatening letters. 

I have sent all correspondence via Certified Mail with Return Receipt and have retained copies of their responses. Despite this, the collector continues harassment and refuses to provide lawful validation. I will to provide ALL documentation in my FDCPA Violation log, as well as saved letters received and sent upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: LA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 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 Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation