vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I have student loans through the Department of Education and have now completed payments with more than 120 months of verified employment. As I had been on the XXXX plan, I wasnt allowed to make payments during forbearance even though I requested to change plans in XX/XX/year>. I have now submitted a PSLF buyback application # XXXX, which has been in process for XXXX business days. Despite numerous emails to the Department of Education and emails to XXXX, I have received no updates on when I will receive my proposal. I also have requested to re enter repayment and have not received any response regarding that either. I am prepared to pay off buyback as soon as I receive a response.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
To Whom It May Concern : This letter serves as formal notice regarding serious concerns arising from my recent interactions with a financial institution in which my account was restricted and treated as potentially fraudulent despite prior verification and compliance. I am requesting immediate review, correction, and written response addressing the issues described herein. 
This matter has caused unnecessary hardship, disruption of lawful access to my funds, and emotional distress. I am seeking prompt resolution consistent with fair banking practices and applicable consumer protections. 
I opened and maintained my account in good faith, complied with all requested verification procedures, and conducted lawful transactions. Despite this, my account was later restricted without adequate notice or justification. 
On XX/XX/year>, I was informed that my account activity appeared 'fraudulent ' notwithstanding prior clearance and inspection. On that day I was told to file an appeal and that it must be sent to their security department. They sent me a form, asking me to add any supporting documents along with it. On XX/XX/XXXX I filed the appeal. Upon follow-up, on XX/XX/XXXX, I was then told that I sent the appeal to the wrong address. Inquiring what the right address was I immediately followed up with an email to the correct email address.Attempts to resolve the issue were met with inconsistent explanations and delays, resulting in denial of access to funds needed for ordinary living expenses and obligations. 
At no point was I provided a clear written explanation, timeline for resolution, or meaningful opportunity to contest the restriction. This treatment was unreasonable and inconsistent with customary banking standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: AL

Complaint narrative:
I am disputing inaccurate and inconsistently reported charged-off accounts on my Experian credit report. Some of these accounts reflect XXXX balances while still being reported as charged off, which raises concerns regarding accuracy and completeness. I have attached my Experian-specific dispute letter and documentation requesting a full reinvestigation. 

Charged-Off Accounts in Dispute ( Experian ) : XXXX  XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$1900.00} XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00}

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 2025-12-28 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: Chime Financial Inc
State: VA

Complaint narrative:
I am submitting this complaint regarding my financial institution, Chime, for denying my dispute involving an unauthorized debit card transaction, despite clear evidence that the transaction was fraudulent and not made by me. 

On XX/XX/XXXX, a debit card transaction in the amount of {$260.00} was processed as an online purchase. This transaction was not authorized by me, and I did not make or participate in this purchase in any way. 

At the time the transaction occurred, I was unaware that it had been made. I continued using my debit card for approximately XXXX weeks because I did not realize an unauthorized charge had occurred. I first became aware of this transaction on XX/XX/XXXX. As soon as I became aware, I immediately contacted my bank ( Chime ) to report the transaction as unauthorized and cancelled my debit card to prevent further fraud. 

I also contacted the merchant, XXXX XXXX, regarding this transaction. XXXX XXXX confirmed in writing that the order was delivered to an address in Indiana. I do not live in Indiana and have no association with that address. I reside in Virginia and did not receive the merchandise. 

XXXX XXXX provided written confirmation of this information, including email correspondence stating that the shipment was sent to an Indiana address unrelated to me. I provided this written confirmation to my bank as evidence. I also submitted an email from XXXX XXXX  CEO office confirming that the order was delivered to a different address and not to me. 

Despite providing all supporting documentation, including merchant confirmation and proof that the transaction was unauthorized, Chime denied my dispute. I believe this denial reflects a failure to properly investigate my claim as required under Regulation E ( 12 CFR 1005 ), which protects consumers from unauthorized electronic fund transfers. 

This transaction meets the definition of an unauthorized electronic fund transfer : I did not authorize it, did not receive the goods, and the merchant confirmed shipment to a different address. I promptly notified my bank once I became aware of the transaction and cooperated fully with their investigation. 
Also a chime member told me I was approved for a provisional credit and it was in pending status and that I would see in in my account soon I will upload that conversation as well it was denied XXXX later so I reopened the claim for the 3rd time. 

I am requesting that the CFPB review this matter and require Chime to conduct a proper Regulation E investigation and provide reimbursement for the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am providing formal notice that the XXXXXXXX XXXX account currently appearing on my credit file is the subject of an active fraud investigation.

Under 15 U.S.C. 1681c-2, once a consumer alleges fraud or identity theft, the credit reporting agency shall block the reporting of the information and may not continue to report it while the investigation is unresolved.

Additionally, continued reporting violates : 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibition against furnishing information known or reasonably believed to be inaccurate 15 U.S.C. 1681s-2 ( b ) duty to investigate and verify disputed information with competent evidence You are now on actual notice that this account is disputed due to fraud. Any continued reporting, reinsertion, or verification without documented proof constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. 

ACCOUNT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information appearing on my Experian credit report. I am a consumer working to correct my credit and ensure that my report fairly reflects my actual credit history. 

Charged-Off / Collection Accounts I dispute the accuracy and reporting of the following 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 Some of these accounts show XXXX balances but are still reported as charged off, while others appear recently opened collections that I do not recognize or believe are inaccurately reported. I am requesting Experian verify the accuracy of the balances, dates, and account statuses and remove or correct any account that can not be fully verified. 

Credit Inquiries I am disputing the following inquiries as I do not recognize authorizing all of them, and some appear duplicated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am requesting Experian verify permissible purpose for each inquiry or remove those that can not be verified. 

Late Payment Reporting XXXX XXXX XXXX  Acct XXXXXXXX XXXX XXXX XXXX XXXX  The late payment reporting on this account is inaccurate or overstated. I am requesting Experian investigate and correct or remove any late payments that are not accurate.

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 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Over the past few weeks I've called more than a handful of times probably XXXX times been on the phone for hours they mailed me an offer for a credit card with a limit of {$6700.00} to be paid off over 20 months 0 % financing all that problem is I can't use it they don't wan na bet me they don't wan na help me I am at my wits end Citibank has certainly not been a pleasure to deal with take a look at all the complaints

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 2025-12-28 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: CA

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 Date : XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$11000.00} XXXX XXXX XXXX- Account Number : XXXX, Date Opened : XXXX, Balance : {$3300.00} XXXX XXXX XXXX- Account Number : XXXX, Date Opened : XXXX, Balance : {$1600.00}

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 2025-12-28 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: MD

Complaint narrative:
I am writing to dispute the inaccurate and incomplete information that is currently being reported on my credit reports by Equifax, XXXX XXXX XXXX. Below is a detailed list of the accounts in dispute, categorized by each bureau. I am requesting that the credit bureaus thoroughly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX, Account XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} Late Payment : XXXX XXXX, Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 filing this complaint to dispute inaccurate and unverifiable information on my TransUnion credit report. TransUnion is obligated under the FCRA to ensure maximum possible accuracy, which has not been met. 

Charged-Off / Collection Accounts DEPTEDXXXX  Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$1700.00} DEPTEDXXXX  Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$2900.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$220.00} XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$3000.00} Unauthorized / Unverified Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Reporting XXXX XXXX XXXX Account Nos. XXXX, XXXX XXXX XXXX  XXXX Account No. 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
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was a tourist in XXXX 's XXXX XXXX was defrauded by a dry fruit vendor on XX/XX/year>, who, after learning they were from the XXXX, aggressively inflated a verbal XXXX XXXX  price to XXXX XXXX  ( {$440.00} ) on a card terminal, offering no receipt and obscuring the screen ; I am disputing the {$400.00} overcharge with their bank, seeking to pay the correct {$40.00}, highlighting targeted fraud and aggressive sales tactics. 

The merchant charged XXXX XXXX ( approx. {$440.00} ) instead of the agreed-upon amount, deliberately obscuring the handheld terminal and claiming no receipt could be printed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. These items are damaging my creditworthiness and do not meet FCRA accuracy and verification standards. 

Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  | Opened XX/XX/XXXX | XXXX {$0.00} XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | XXXX {$0.00} XXXX Account XXXX. XXXX * * | Opened XX/XX/XXXX | Balance {$0.00} Unauthorized / Unverifiable Inquiries ( TransUnion ) 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 2025-12-28 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 disputing the following accounts as they appear on my TransUnion credit report. The reporting contains inaccuracies including inconsistent dates, balances, and account statuses. I am requesting a proper reinvestigation and deletion of any item that can not be fully verified. 

Charged-Off Accounts ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is my fifth complaint after disputing these accounts continuously for over XXXX months with full documentation submitted every single time. Instead of conducting a lawful reinvestigation, the credit bureaus have engaged in a pattern of delay, deflection, and premature complaint closures. I am repeatedly told that I am working with a third party, despite submitting disputes directly myself, and despite the bureaus acknowledging receipt of my documentation. Most recently, my complaints have been closed by alleging potential fraud without explanation, without evidence, and without any completed investigation. This is especially concerning given the bureaus well-documented history of multiple data breaches, which raises a legitimate question as to whether my information was compromised due to their own failures. If fraud truly exists, it must be clearly identified, documented, and reflected accurately on my file. Instead, the bureaus continue reporting inaccurate late payments, charge-offs, and inquiries as verified while refusing to produce any actual verification such as payment posting records, billing statements, or internal account ledgers. Labeling disputes as potential fraud while simultaneously closing complaints and continuing to report disputed data does not satisfy the Fair Credit Reporting Act. This conduct demonstrates willful noncompliance, not confusion, and confirms that no reasonable investigation has occurred despite repeated monthly disputes and multiple CFPB complaints.

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 2025-12-28 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: V and H Portfolio
State: TX

Complaint narrative:
This response is submitted in reference to CFPB Complaint ID XXXX regarding an account reported by VANCE & HUFFMAN LLC ( Account : XXXX ). The information provided does not constitute proper debt validation under 15 USC 1692g. At no point has VANCE & HUFFMAN LLC provided an original contract, proof of assignment, or a lawful chain of title demonstrating that it owns the alleged debt or has authority to collect or report it. A letter bearing VANCE & HUFFMAN LLC 's logo and an alleged balance is not validation under federal law. I contacted the original creditor directly, and the original contracts do not support or match the amounts V & H is reporting. Despite this, they continue to furnish these inaccurate balances to the credit reporting agencies. In addition to inaccurate reporting, VANCE & HUFFMAN LLC has engaged in harassment and intimidation by threatening legal action on these alleged debts. As a third-party debt buyer, VANCE & HUFFMAN LLC did not extend credit to me and did not suffer any actual loss. They are not the real party in interest and therefore have no legal authority to enforce the original contract, assess interest or fees, or pursue breach of contract damages. Attempting to do so constitutes misrepresentation of the amount owed, false claims of ownership, and attempted collection of amounts not authorized by contract or law, in violation of the FDCPA and FCRA. VANCE & HUFFMAN LLCs continued reporting of this unverified and disputed account is unlawful. Merely stating that the dispute was noted does not satisfy statutory verification requirements. Based on these violations, I am demanding the immediate removal of this VANCE & HUFFMAN LLC account from my credit report. If VANCE & HUFFMAN LLC continues to report these accounts or attempts further collection, I reserve the right to pursue all available remedies, including legal action and monetary relief under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
Dear Sir/Madam, I am writing to formally dispute inaccurate, incomplete, and misleading information reported on my credit reports with the three major credit bureaus : Experian, Below, I have provided the details of the accounts in dispute. I request that you investigate these discrepancies and ensure that my credit report is updated accurately, in compliance with the Fair Credit Reporting Act ( FCRA ).

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