vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: VA

Complaint narrative:
I am a potential victim of willful noncompliance and fraudulent reporting from all three credit reporting agenciesEquifax, XXXX XXXX XXXXregarding the reporting of XXXX XXXX XXXX, account number XXXX. Upon review of my credit reports, I discovered materially inconsistent data in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, Equifax reports the account as closed on XX/XX/XXXX, while TransUnion reports it closed on XX/XX/XXXX, and Experian fails to clearly report a closure date while continuing to display a delinquent past due balance in XXXX XXXX after the account was supposedly closed. These conflicting closures and payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ), discrepancies in charge-off remarks ( Charged off, Profit and Loss Write-Off ), and conflicting delinquency status ( ranging from 30 to 150+ days late across bureaus ) all represent violations of FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ) ( A ), and 623 ( a ) ( 5 ).

Additionally, I cite the following legal precedents and admissions of wrongdoing : the TransUnion LLC settlement in XXXX XXXX XXXX XXXX XXXX TransUnion, which involved systemic FCRA violations and deceptive reporting practices ; the XXXX  Data Breach Settlement admitting to negligence and regulatory violations affecting millions of consumers ; and the Equifax XXXX Class Action Settlement, which acknowledged failure to safeguard and report accurate credit data. The continued publication of this inaccurate informationdespite formal disputeshas caused measurable harm to my creditworthiness and represents a pattern of willful, reckless disregard for consumer protections under federal law. I intend to pursue full statutory damages and relief through arbitration or litigation if these errors are not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
I am a potential victim of willful noncompliance and fraudulent reporting from all three credit reporting agenciesEquifax, XXXX XXXX XXXXregarding the reporting of XXXX XXXX XXXX, account number XXXX. Upon review of my credit reports, I discovered materially inconsistent data in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, Equifax reports the account as closed on XX/XX/XXXX, while TransUnion reports it closed on XX/XX/XXXX, and Experian fails to clearly report a closure date while continuing to display a delinquent past due balance in XXXX XXXX after the account was supposedly closed. These conflicting closures and payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ), discrepancies in charge-off remarks ( Charged off, Profit and Loss Write-Off ), and conflicting delinquency status ( ranging from 30 to 150+ days late across bureaus ) all represent violations of FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ) ( A ), and 623 ( a ) ( 5 ).

Additionally, I cite the following legal precedents and admissions of wrongdoing : the TransUnion LLC settlement in XXXX XXXX XXXX XXXX XXXX TransUnion, which involved systemic FCRA violations and deceptive reporting practices ; the XXXX  Data Breach Settlement admitting to negligence and regulatory violations affecting millions of consumers ; and the Equifax XXXX Class Action Settlement, which acknowledged failure to safeguard and report accurate credit data. The continued publication of this inaccurate informationdespite formal disputeshas caused measurable harm to my creditworthiness and represents a pattern of willful, reckless disregard for consumer protections under federal law. I intend to pursue full statutory damages and relief through arbitration or litigation if these errors are not corrected.

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 2025-05-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Yes I have a administration account reversed mortgage required to follow up with my account statement from my mortgage notice letter. I have a demand for compromised email using my have I been drained data breach XXXX XXXX XXXXXXXX. I was asked to file a FBI claim asset forfeiture of my administrative account forfeiture. I have a have I been drained data breach effected my process of account duties and forged over my title with XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: DC

Complaint narrative:
There are fraudulent charges and collections from XXXX XXXX XXXX on my credit report. I have a police report and FTC XXXXdentity Theft Report. See attached. Please remove these fraudulent collections from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: DC

Complaint narrative:
There are fraudulent charges and collections from XXXX XXXX XXXX on my credit report. I have a police report and FTC XXXXdentity Theft Report. See attached. Please remove these fraudulent collections from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, Capital One ran a credit inquiry in my report that I did not consent to. 

The credit inquiry is from CAP ONE NA I have never applied for credit or loan with CAP ONE NA and I believe someone is using my identity and information. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX, and I am submitting a formal complaint against Capital One Auto Finance regarding what I believe to be predatory auto lending practices and unlawful interest accrual. 

I signed a lease-to-own agreement for a XXXX XXXX XXXX on XX/XX/XXXX, for a financed amount of {$18000.00} through Capital One Auto Finance XXXX Despite consistent payments over nearly XXXX years, as of XX/XX/XXXX, Capital One claims I still owe over $ XXXX though my payment records show I have already paid over {$24000.00} toward this vehicle. 

A review of my transaction history shows that much of my payment has gone toward interest and fees, with some months applying less than {$50.00} to principal on payments over {$400.00}. My statement from XX/XX/XXXX showed a payoff balance of {$17000.00}, nearly matching the original loan amount after XXXX  years of payments. In XXXX, I called Capital One to request payment restructuring due to hardship, and my request was denied. 

Additionally, features that were previously visible in my online account such as total amount paid to date and payment history have recently been removed, limiting my ability to monitor the loan and access documentation. 

This situation has caused me financial hardship and emotional distress. I am asking for a full investigation and protection under federal consumer law, including the Truth in Lending Act, UDAAP protections, and any applicable state laws. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX Couldnt give me account number proving the debt is mines sold debt to XXXXXXXX XXXX then was returned back to XXXX XXXX improper use of credit

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I deposited a U.S. Treasury IRS tax refund check in the amount of {$430000.00} into my Chase Bank account on XX/XX/2025. Chase has refused to release the funds and continues to say they are waiting for the check to be verified. It has now been over 100 days since the deposit.

I have not received any written explanation from the bank detailing the reason for the hold, nor have they provided a timeline for resolution. This appears to be a clear violation of Regulation CC, which generally requires banks to make Treasury check deposits available within one business day or notify the customer of any exceptions.

I am requesting that the CFPB investigate this matter and compel Chase to release my legally issued tax refund or provide a lawful basis for continuing to hold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
From XX/XX/year> to this point, I have been having issues with the accuracy of my mortgage through Cross Country Mortgage. 
. 

I was given a projected amount for my monthly mortgage payment that does not include the actual amount I should be paying. 

I received a settlement this month through the XXXXppraisal District lowering my tax amount and appraised amount I also decreased my coverage amounts on my Home Insurance. Cross Country Mortgage keeps asking for the projected amount despite the changes made.

Cross County system will not allow me to make the payments unless I make it for the projected amount not the actual amount and these issues allow Cross Country to continue to tack on late fees and other fees unrelated to the mortgage. 

My next complaint will be with Hud as this is deceptive I have attempted to reach out to XXXX XXXX XXXX ' '' several times and told the representative I spoke with that I work XXXX to XXXX but XXXX keeps calling at times when I work in effort to keep delaying the process and not providing an accurate mortgage. 

BELOW YOU WILL FIND A COPIED AND PASTE EMAIL FROM THE APPRAISAL DISTRIC AND THE ATTACHED REVISON OF MY HOME INSURANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against DEPT OF EDUCATION/NELN regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with DEPT OF EDUCATION/NELN but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy, as required. These errors are having a significant negative impact on my life, both financially and emotionally. During these already challenging times, correcting and/or removing these inaccuracies would bring much-needed relief and support. I sincerely urge that this matter be addressed promptly and thoroughly.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/XXXX I notified my bank chime that several unauthorized charges from XXXX had come out of my account and that I dont have a XXXX or account so I disputed the several charges in the amount of {$180.00} they told me they have to investigate it's been almost a month now and I've heard nothing even reached out to the merchant XXXX on XX/XX/year> to see what else could be done hoping I'd get refunded right away but was told since I don't have a account they have no way of researching and for me to dispute the charges with my bank so they sent me a email with a case number showing i contacted them so I could provide to chime my bank and still haven't heard anything and keep getting told there r no updates on the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My family and I took a cruise from dates XX/XX/year> to XX/XX/year>. While we were cruising monies were being deducted from my account. I expected a hold but once the cruise line sent my final billing statement and the holds were not released I called Navy Federal on XX/XX/year>. The XXXX representative I spoke with took the time to calculate all the charges and stated that the amounts charged to my account adds up to double the amount from the trip and that I should contact the cruise line of XXXX XXXX. I did so and the XXXX XXXX representative stated that the bill is settled and they have released any holds. She also asked would I be able to allow a conversation with my banking institution. This is when I performed a conference call between myself, a representative from XXXX XXXX and a representative of Navy Federal, and the representative by the name of XXXX ( I believe that's the pronunciation of her name ) began to state that she doesn't know how to the other representative came to the conclusion of the double amount charged. I then asked to escalate it to a supervisor, which I received the supervisor XXXX, and before listening to what my issue was she told me that there were only XXXX holds and that they only told to about {$250.00}. I then asked her to escalate it further because she wasn't listening and it seems like she went directly off what the representative said and there was no investigation on her behalf as a supervisor to do the footwork necessary to find the charges. She then stated that she will be placing me on a brief hold to write notes for escalation and when I was speaking to someone in my home she stated that I can not hold a conversation about what we are speaking on until we get off the phone. She then stated that it will be about 2-3 days before someone will get back to me in regards to the issue. I received a message via the banking application stating that there is no way to solve my issue from XXXX, escalation management department and that the incident report is closed. My response was how can you come to this conclusion without speaking to me and also stated that according to the banking application it shows that there should be the monies available and released and that I need someone above her and she refused to escalate the issue further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX 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