vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting.

It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I overpaid at closing and the bank ( Truist ) owes me the difference. Truist sent me a form to update my residence so they could issue the refund check. I completed and returned the form, had it notarized, and the bank confirmed receipt. 

Despite these actions, it has now been more than 60 days and I have not received the refund check. I personally called Truist Bank, left a message, and was told someone would call me back, but no one has followed up. 

Since this involves a mortgage loan payoff, there are federal guidelines a bank must follow when a consumer loan is paid off and a balance is owed to the borrower. I complied with Truists request by filling out their form and having it notarized, yet I have not received an update on when they will disburse the check. 

The closing of this mortgage loan was over four years ago, and I am still waiting for the funds I am owed.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This concerns my business banking account. I received a check from a customer and deposited it in another bank. I transferred funds to my account that Im having trouble with. And the original check bounced so the original bank pulled the money back from my business bank account all of the money was there. And now my business bank account they wan na close the account but every time it comes close to the date where theyre gon na close it. They extend it 15 days. This is the third time theyve extended it.

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 2025-09-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was looking to transfer a credit card balance to a XXXX % interest card. American Express was advertising a XXXX % interest credit card for XXXX  months with a " no ding decline '' via the XXXX  app. I applied and was approved to transfer {$7500.00}. At this point there is an option to withdraw the application but I was fine with the {$7500.00} so I accepted. After accepting, you're prompted to start the balance transfer. I tried and tried only to find out I was only approved for a {$1000.00} credit limit. I would have never accepted knowing the limit was that low.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM XXXX AND I AM EXPERIENCING SOME PROBLEMS DUE TO MY INFORMATION BEING LEAKED OR SOMETHIG I DONTY XXXX WHAT DO DO WITH IT THIS INQUIRES ARE NOT MINE XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MINE AND ABOUT THE ALL STORY WHICH IS HAPPENING SO PLEASE IF U CAN TAKE CARE OF THIS I AM TRYING MY BEST TO MAKE EVERYTHING BACK TO NORMAL.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$6100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
Re : Request for Account Information Account Number : ONEMAIN - XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EXPERIAN ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX ; an auto loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX ; and a student loan opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
My account has been restricted pending closure for over a month now, and I haven't gotten any update on when my account will be closed and my funds returned to me. It's unacceptable to have an account with my funds in it that I can't use for over a mont, h with no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX {$400.00} NON WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX XXXX {$3.00} NON WELLS FARGO ATM TRANSACTION FEE XXXX {$120.00} NON WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX XXXX {$3.00} NON WELLS FARGO ATM TRANSACTION FEE XXXX {$200.00} NON WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX XXXX {$3.00} NON WELLS FARGO ATM TRANSACTION FEE XXXX {$120.00} NON WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX XXXX {$3.00} NON WELLS FARGO ATM TRANSACTION FEE XXXX {$120.00} NON WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX XXXX {$3.00} XXXX WELLS FARGO ATM TRANSACTION FEE XXXX {$15.00} PURCHASE SUPER+ XXXX XXXX XXXX XXXX {$4.00} PURCHASE XXXX XXXX XXXX XXXX I called up Wells fargo XX/XX/XXXX when I noticed in my account and couldn't pay my bills or rent and they said would investigate. My claim was opened XX/XX/XXXX They told me 10 days then I called them up again after 10 days they said wait more time for a answer and then I recieved a message to Wells fargo app that they completed my claim and said an error not occured and theyll send me a letter soon. I can't believe this someone took money from my account from wells fargo and they dont want to give me my money back. I have all my debit and credit cards in my possession also when this happen.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
EXPERIAN is acting in concert with creditors to deliberately give me a lower score to permanently keep me in debt based on my ethnicity. Furthermore Ive filed bankruptcy and EXPERIAN refuses to remove these negative inaccurate creditors which affects my ability to obtain credit. After requesting my report and EXPERIAN being the worse out of all 3 credit bureaus is evidence this is being done intentionally. So I have no further alternative but to pursue a lawsuit against EXPERIAN

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 2025-09-26 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: IN

Complaint narrative:
I am disputing the accuracy of a late payment that has been reported under my account. My personal records clearly show that I made all payments on time, and this reporting is an error that does not align with my true payment history.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate Customer Service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I sent a debt validation letter to Jefferson capital systems via verified mail. Letter was delivered on XX/XX/year>. In this letter I demanded the following for validation of debt ; 1. The name, address, and contact information of the original creditor ( 1692g ( a ) ( 2 ) ) ; 2. The exact amount of the alleged debt, with a complete breakdown of interest, fees, and charges ( 1692g ( a ) ( 1 ) ) ; 3. A copy of the original signed agreement or contract establishing liability ; 4. Proof that you are authorized to collect this debt, including documentation of assignment or ownership ( 1692e ( 2 ) ( A ), 1692e ( 10 ), 1692f ) ; 5. A clear explanation of how the alleged balance was calculated. 



On XX/XX/XXXX capital Jefferson system responded to my debt validation letter with a legally-insufficient letter. The letter failed to provide proper validation under FDCPA. In the letter Jefferson capital admits the debt is time-barred and Can not be pursued in court which may constitute deceptive and unfair collection practices under 15 U.S.C. 1692e and 1692f.

Company response to consumer: Closed with explanation