vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Wellness LLC
State: TX

Complaint narrative:
I XXXX  a company called XXXX XXXX XXXX so I can reach out and try to settle a debt. Well I thought I was calling XXXX but because of the way Credit Wellness LLC advertised on XXXX, they made it look like they were XXXX and I ended up calling them instead. The rep convinced me that they can dispute negatives on my creit report so i paid {$300.00}, and XXXX XXXXXXXXmonth rate while the process started. Well I was receiving letters from credit bureaus saying someone was attempting to dispute without my authorization, and I got a random name, XXXX XXXX added to my XXXX  report shortly after giving my info to Credit Wellness LLC . So being suspicious of fraudulent activity, and knowing this company is the only company or person Ive given my info to, I became suspicious. Called my credit card company and disputed the transactions. Ive been disputing the new name on my XXXX  to no success. I think this company is doing nefarious things with peoples info and I would like them to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have a XXXX XXXX using my account to pay for some XXXX XXXX task. I wanted to request a refund from my bank account because we have opt out of the task from reorganizing debt to the financial institution. I was showing a claim from the account because it was more than what we opt to pay from the task force. I asked to revise the account from the mission was asking to send money to a global management to make some money from a investor account. I see the receptionist asked to modify the payment from my bank account. I akso want to refund the investment trade could lead to a scam from bankruptcy. I want to refund the amount in {$75.00} and {$5.00} from a btc transfer to a XXXX XXXX task network like inline surveys application for task. Also a charge of {$150.00} from a crypto currency platform account that was delayed from payment because of inaccurate website description. I also demand a refund in the amount of {$370.00} pending transfer payment as soon as the pending transfer has processed. I want to escalate the complaint to the bank for a demand for a refund before the account resumes a scam against my credit. Also have asked not to send money to this website because it could scam people from making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Subject : Disputed Debt Collection by Navy Federal Attorney Without Proof Identity Theft Involved To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXX, XXXX. of XXXX Maryland, who has requested the XXXX XXXX XXXX XXXX, to enter his appearance as Navy Federal Credit Union regarding an outstanding amount of {$8600.00} they are attempting to collect through a civil action. 

I recently received a court notice on XX/XX/year> in which XXXX XXXX has requested to enter his appearance in the Magisterial District Court on behalf of Navy Federal Credit Union, pursuing this alleged debt. 

However, at no point have I received any supporting documentation verifying that this debt actually belongs to me. I have not been provided with a signed contract, account history, or any valid proof tying this balance to my personal records. 

Importantly, I have previously filed a dispute with the credit bureaus regarding this same account and noted that I am a victim of identity theft. I believe this debt may be the result of unauthorized activity, and it should not be legally or financially tied to me. I have also placed fraud alerts on my credit file as a result.

At this time, I am requesting that the CFPB : Investigate Navy Federal Credit Union and their attorney for attempting to collect on an unverified debt, Ensure that no collection action continues until proper documentation is provided, Assist in having this item removed from my credit report, as it is the result of identity theft and has caused harm to my credit standing. 

I am attaching a copy of the court notice and other relevant information as supporting documentation. 

Thank you for your attention and help in resolving this matter.

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 2025-06-29 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: MD

Complaint narrative:
Please see supporting documentation pertaining to XXXX Data Breach

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 2025-06-29 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: PA

Complaint narrative:
I am writing to follow up on my complaint against TransUnion ( originally submitted XX/XX/year> ). It has now been over 30 days, and TransUnion has only issued a generic acknowledgment. As of XX/XX/year>, they have not provided a reinvestigation result or resolution, violating the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( a ) ( 1 ) ( A ) : Reinvestigations must be completed within 30 days ( or 45 if supporting docs are included which I submitted ).

FCRA 611 ( a ) ( 5 ) : If information is not verified, it must be deleted.

FCRA 607 ( b ) : Furnishers and bureaus must maintain maximum possible accuracy.

My original dispute included three items : XXXX XXXX XXXX Unverified collection account already deleted by XXXX  and XXXX  XXXX XXXX Closed account still reporting late payments without documentation XXXX XXXX XXXX XXXX Unauthorized hard inquiry from XX/XX/year> I am requesting CFPB intervention because TransUnion is not complying with FCRA obligations.

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 2025-06-29 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
pls process this i need amount of judgment pay off in attachments that will open they send ones thaat dont open. when asked to resend they dont i have no pay off and i need info for my rights and lawsuit. XXXX is ignored as well requesting info to which i am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/year> a fraudulent credit card account by Discover was opened without my consent or acknowledgment. This account was open fraudulently and remained opened for quite awhile without my knowledge.

I am reporting this account as invalidated and fraudulent.

The account is by Discover. Charge off account with account number : XXXX S

o far, Ive disputed this account with XXXX  and they have helped me by deleting it. But XXXX  and XXXX  are still reporting it. Please help me in removing this invalidated account off my credit right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: DC

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines.

As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards.

I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed.

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 2025-06-29 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: CA

Complaint narrative:
I am a victim of XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Someone has used my name to apply for fruadulent bank accounts and cash checks and over draw the account. I have been dealing with this issue for a few years. XXXX 2021 XXXX 2021 Navy Federal just sent a letter stating that I owe more than XXXX. I have reached out to companies and informed them that I have never had these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: WI

Complaint narrative:
My account reporting is inaccurate. My XXXX XXXX account should display " Paid as Agreed. '' They've breached their agreement.

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 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I made a purchase through XXXX XXXX from a user named XXXX XXXX XXXX. I was instructed to send {$180.00} via XXXX, which I did. The payment successfully went through. 

After sending the money, the seller became evasive and uncooperative. They provided multiple pieces of contact information during the transaction, including : Name : XXXX XXXX Phone : ( XXXX ) XXXX Name : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX After the payment, the seller claimed they had already received the money, but never provided the item I purchased. Their messages became dismissive, and they stopped communicating or offering a resolution. 

I have already filed a fraud claim with my bank, and I am currently awaiting their investigation outcome. I am submitting this complaint to report the fraudulent activity and to seek support in recovering my funds.

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 2025-06-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB : XX/XX/year> SSN ( last 4 ) : XXXX Date : [ Insert Todays Date ] To : [ Experian / TransUnion / Equifax adjust per bureau ] Subject : Formal Dispute and Immediate Removal Demand Duplicate & Inaccurate Accounts Re : FCRA Violations 15 U.S. Code 1681i & 623 To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding duplicate and inaccurately reported accounts on my credit file. Upon review of my consumer disclosure, I have identified multiple entries that are either duplicated, outdated, or misreported with inconsistent balances and dates. This violates your duty to ensure maximum possible accuracy under 15 U.S. Code 1681i ( a ) and 623 ( b ).

Please see the attached PDF titled Duplicate_Accounts_Dispute_Letter_with_Evidence.pdf which outlines : Duplicate real estate loans under differing servicer names ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Credit cards and tradelines with inconsistent balances or closed statuses ( e.g., XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and others ) These inaccuracies are materially harmful and violate the reasonable procedures standard you are required to maintain. 

LEGAL DEMAND : I demand the immediate deletion or correction of all misreported, duplicated, or inaccurately listed accounts within 15 days of receipt under : FCRA 1681i ( a ) ( 1 ) ( A ) obligation to investigate any item disputed by a consumer FCRA 1681s-2 ( b ) responsibility of furnishers of information upon notice of dispute FCRA 602 ( A ) consumer protections against reporting of inaccurate and obsolete information Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General, as well as private legal action under FCRA 1681n and 1681o for actual, statutory, and punitive damages.

Please mail me a new consumer disclosure reflecting the corrections and deletions. This letter also serves as notice to place an internal block on the reporting of these accounts until this matter is resolved. 

Sincerely, XXXX XXXX [ Signature if mailing ] Phone : XXXX Email : 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke with XXXX about reporting late payments of my student loans to Transunion, XXXX XXXX XXXX that are on my credit report that is incorrect. I have been approved for the Income Based Repayment program Since XX/XX/XXXX and I renewed XX/XX/XXXX and to this day I am approved and XXXX has been reporting late payments on my credit report since XX/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
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I spoke with XXXX about reporting late payments of my student loans to XXXX XXXX, and Experian that are on my credit report that is incorrect. I have been approved for the Income Based Repayment program Since XX/XX/XXXX and I renewed XX/XX/XXXX and to this day I am approved and XXXX has been reporting late payments on my credit report since XX/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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I spoke with XXXX about reporting late payments of my student loans to XXXX, Equifax, and XXXX  that are on my credit report that is incorrect. I have been approved for the Income Based Repayment program Since XX/XX/XXXX and I renewed XX/XX/XXXX and to this day I am approved and XXXX has been reporting late payments on my credit report since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
Hello, I am filing a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Experian. A collection account from XXXX XXXX  was previously removed from my Experian credit report. On XX/XX/year>, the account reappeared without any notice or new verification. I submitted a dispute on XX/XX/year>, and have yet to receive any response or explanation.

This violates FCRA Section 611 ( a ) ( 5 ) ( B ), which requires that the credit bureau notify the consumer within five business days when re-inserting previously deleted information. I have not received such notice, and the account was reinserted without new documentation or consent.

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 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX calls 71 times a day.

Usually brow XXXX.

Always after XXXX.

It's abusive.

It's become harassment

Company response to consumer: Closed with explanation