vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting a formal complaint regarding an unresolved issue that occurred at the Navy Federal Credit Union branch located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX on XXXX XXXX XXXX which has caused significant financial hardship and emotional distress.

On the mentioned date, I arrived at the ATM to deposit {$690.00}. After inserting the cash, the machine rejected two {$1.00} bills, informing me that it could not accept them. Once I retrieved the rejected bills, I attempted to complete the deposit, but the machine displayed an error message stating that the transaction could not be processed. The ATM did not return my deposit or provide any receipt as proof of the attempted transaction. 

I immediately approached the bank doors where employees were still present, and spoke with a bank teller. I explained the situation, and she informed me that since the bank had closed, I would need to contact the XXXX XXXX XXXX for assistance. She assured me that the call center would credit my account for the deposit. However, she also stated that the sooner I called, the quicker the call center could help. 

I contacted the call center at approximately XXXX XXXX, where I spoke to a representative. The representative informed me that it was the banks responsibility to have filed an incident report, which the teller failed to do. He instructed me to return to the branch and request a written report of the incident. 

When I returned to the branch and spoke to the same bank teller and another employee, I informed them that I had called the call center and was instructed to get an incident report. They told me that because the bank was closed, they could not provide any documentation and advised me to return on SaturdayXXXX XXXX XXXX XXXX 

This situation has caused extreme financial hardship, as I am now without proof of the deposit and am expected to return to the branch without any assistance from the staff or the banks call center. This has placed me in a vulnerable position, including the inability to make critical payments. The failure to adhere to standard procedures, lack of documentation, and refusal to provide necessary support has left me financially stranded and emotionally distressed. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to ensure that I am compensated for my deposit, that the bank adheres to its proper procedures in handling deposit-related issues, and that the bank takes responsibility for the hardship caused. Additionally, I request that Navy Federal Credit Union provide a formal investigation, a provisional credit for the deposit, and a written response outlining the steps taken to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-04 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Method of Verification and Continued Reporting of Unauthorized Inquiries I, XXXX XXXX XXXX, am filing this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) by a consumer reporting agency that continues to report multiple unauthorized inquiries and has failed to provide legally required documentation or a description of the reinvestigation procedures. I am writing on my own behalf as a natural person and exercising my rights under 15 U.S.C. 1681i ( a ) ( 7 ), 1681e ( b ), and 1681n/o.

Despite submitting a prior dispute, the following inquiries remain on my credit report without proper validation : Disputed Inquiries ( Unauthorized ) : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX These inquiries were not authorized by me, and I have not received any documentation proving that they were lawfully initiated. Under 15 U.S.C. 1681i ( 7 ), I have the right to obtain a description of the reinvestigation process, including : The name and contact information of the furnisher or party who initiated the inquiry ; The procedures used to verify the legitimacy of the inquiry ; Any documentation relied upon during the verification.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Payment History Reporting and Failure to Provide Verification under the FCRA/FCBA I, XXXX XXXX XXXX , am submitting this complaint due to the continued and inaccurate reporting of late payments on my credit report by a consumer reporting agency and the failure to provide the legally required verification of such data. This dispute is being filed on my own behalf as a natural person, in accordance with the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

I initially submitted a dispute over 35 days ago regarding billing errors related to the accounts listed below. I cited 15 U.S. Code 1666 ( b ) of the FCBA, which mandates correction of billing errors involving : Failure to properly credit payments or other credits, Miscalculations or accounting errors, Failure to provide advance notice of at least 21 days before reporting late payments or assessing penalties. 

Despite this, the following accounts continue to inaccurately reflect late payments, and I have not received any documentation supporting the accuracy of these derogatory marks. 

Disputed 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  specifically requested supporting documentation proving I was late on these accounts. No such documentation has been provided, which is a direct violation of FCRA requirements to ensure maximum possible accuracy and to conduct a reasonable reinvestigation

( 15 U.S.C. 1681e ( b ), 1681i ( a ) ). I also requested the method of verification as required by 15 U.S.C. 1681i ( a ) ( 7 ), including : A detailed description of the reinvestigation process
, The name and contact information of the entity that verified the late payment, Copies of any records used to validate the accuracy of the reported data. 

To date, I have received no satisfactory response.

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 2025-07-04 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters is reporting monthly missed payments ( C marks ) on a charged-off debt that I never agreed to repay. I have never made or missed payments with NCA, and no payment arrangement was established. These marks are being reported as if Im actively delinquent, which is inaccurate and misleading. 

I disputed this information with EXXXX, but the monthly delinquency history remains unchanged. This is damaging my credit every month and violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the false delinquency marks be removed or that the account be deleted entirely from my credit report. 

Please see attached photo for 2 years of " Missed payments '' on XXXX even though there is no payment agreement with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
I didn't make any purchases When accessing the card, purchases were made and the card was reset and no one responds on the company 's channels XXXX $ I spend in a way that I don't even know about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX through Citizens Bank on XX/XX/XXXX. As part of my loan, I purchased a GAP insurance policy ( Contract # : XXXX ) through XXXX XXXX XXXX XXXX at a cost of {$1200.00}. 

On XX/XX/XXXX, I refinanced the vehicle loan with XXXX XXXX XXXXXXXX and paid off the Citizens Bank loan in full. Under the terms of the GAP contract, I am entitled to a pro-rated refund of the unused GAP portion after early loan termination or refinance unless a total loss claim was filed ( which I did not ). 

I contacted XXXX XXXX XXXX and reviewed the terms of my contract. They confirmed that the refund should have been issued. However, Citizens Bank refuses to provide it, and has claimed the refund was rolled into the loan payoff. This is inaccurate, misleading, and not disclosed in any written form. I was not informed of this nor did I authorize it. 

I believe Citizens Bank has wrongfully retained or redirected my GAP refund, which was paid for by me and is rightfully mine. This conduct may constitute unfair and deceptive financial practices. 

I am requesting immediate : Written documentation showing when and where the GAP refund was issued A full refund of the GAP amount due A formal investigation into this practice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-04 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: AZ

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 non-monetary relief
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX  - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Dear CFPB Team, Im just a bit confused, and I truly hope Im mistaken, but I wanted to raise a few concerns regarding how Carrington Mortgage Services has handled our FHA-backed mortgage. 
In XX/XX/XXXX, we were informed via email that wed been approved for a six-month repayment plan totaling over {$27000.00}. Whats odd is that we never submitted any hardship documentation, income information or signed any formal agreement. We werent even presented w

ith other FHA retention options such as a COVID-19 Recovery Partial Claim, Standalone Partial Claim, or Modification, just this repayment plan, seemingly out of nowhere. This mirrors a pattern we experienced with Carrington i
n XXXX, where no loss mitigation review occurred until a HUD counselor stepped in and helped secure a proper standalone partial claim. We thought that sort of oversight was behind us, but this recent experience feels disturbingly familiar. 
We were not : Informed of all available options ; Evaluated through a formal hardship process ; Provided written denial/approval letters for any alternative options ; Given a copy of any review or eligibility determination. 


From my understanding, FHA guidelines, and basic consumer protections, require servicers to evaluate borrowers for all options and provide full transparency. This situation feels more like were being rushed into unaffordable repayment arrangements than actually helped. 
Could you kindly advise : Whether Carrington was obligated to review all FHA loss mitigation options before proposing repayment ; Whether offering this plan without documentation or disclosures violates CFPB or HUD rules ; If were entitled to request all documents related to our evaluation ( if one occurred at all ). 


Were doing our best to resolve this responsibly and transparently, but it feels as if were being boxed out of meaningful assistance. We would greatly appreciate your insight, and if appropriate, any investigation into Carringtons conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding XXXX 's reporting of an account that does not belong to me, which has negatively impacted my credit report. This account appears on my credit reports across all three major credit bureaus, and I believe it is a case of mistaken identity or potential fraud. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. Given the nature of this issue, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel XXXX to remove the aforementioned account from my credit reports with XXXX XXXX, and XXXX. 

Additionally, Maryland 's Consumer Protection Act prohibits unfair or deceptive practices, including the reporting of inaccurate information to credit reporting agencies. This incident not only violates my rights under the FCRA but also contravenes Maryland state laws designed to protect consumers from fraudulent activities. 

Im also a victim of identity theft I do have a police report to attached for reference. 

I have attached any relevant documentation to support my claim, including a copy of my credit report highlighting the erroneous account. I would appreciate your prompt attention to this matter and look forward to your response regarding the steps that will be taken. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
Identity Theft & National Data Breach Notice Due to widespread public data breaches affecting millions of consumers, including breaches confirmed by federal agencies and class action settlements, I am asserting that my personally identifiable information ( PII ) including name, address, Social Security Number, and financial history has been exposed and potentially used fraudulently.

You are legally required under FCRA 1681c-2 ( a ) to block and remove any information resulting from such identity theft or unauthorized use within 4 business days of receiving proper documentation.

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 2025-07-04 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief