vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
Too many problems caused by XXXX XXXX as they changed app that is difficult to understand and use. Every time I use the XXXX Fed app it would require login with username and password due to my particular phone model. I reported this and other issues with app that I can not see my full account information nor numbers as XXXX is underneath the serials of numbers. I had issues with my card not reading in many card readers and it has been stuck in ATMs that I have no idea why this happens often. My card got stuck in ATM as it did not give it back to me that I froze my debt card to prevent theft and I called XXXX XXXX for a new one. The new debit card never came as they said XXXX to XXXX business days as it is passed XXXX business days. XXXX XXXX has no idea where my new debit card is nor do they care they have no tracking information. They do not care that it is missing and they do not offer any solutions nor try to help with this matter. I need my debit card to pay my loans that I can not do at this time. I have waited patiently, but no solutions or whereabouts of my replacement debit card. I do not live near any XXXX XXXX offices as well. It seems to me that they behave in criminal activity as losing my debit card in regular XXXX is perfect normal and its the fault of the XXXX seems very odd. They have no tracking at all nor care to assistance with this matter. They offered a digital wallet of my debit card that I have no means to obtain this nor how it would work at ATM machine.

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 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
In XX/XX/XXXX, I made a {$260000.00} principal payment on my mortgage and requested a recast, which reduced my loan balance to approximately {$240000.00} a loan-to-value ( XXXX ) of XXXX XXXX 
On XX/XX/XXXX, the mortgage servicer sent me a letter stating I had reached XXXX XXXX  XXXX and could request PMI cancellation. They also issued a revised amortization schedule around that time, which excluded PMI charges. Believing that PMI would be canceled automatically based on my large payment and revised schedule, I did not submit a formal cancellation request right away. 
In XX/XX/XXXX, I discovered PMI was still being charged and submitted a cancellation request on XX/XX/XXXX. The servicer canceled PMI at that time but refused to refund any of the premiums paid from XX/XX/XXXX to XX/XX/XXXX. 

I believe I was eligible for cancellation at the end of XXXX and acted in good faith. The continued PMI charges appear inconsistent with the Homeowners XXXX XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-18 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
This company called Harris and Harris limited calls multiple times a day, from different numbers. Sometimes leaving a message to always call and ask for someone different. But most of the time they do not leave a message at all. They have never once contacted me through mail and if it was a true debt, they would have have my address to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-18 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account 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 2025-06-18 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I am the Executor of the XXXX of XXXX XXXX. A debt collector, XXXX XXXX XXXX XXXX XXXX, filed a claim against the estate for an alleged debt totaling {$1900.00}. In good faith and in accordance with my fiduciary duty, the estate paid this claim in full on XX/XX/year>, via electronic transfer on the debt collector 's website. 

Despite receiving full payment, the debt collector has failed to provide written confirmation that the debt was satisfied. This confirmation is necessary to properly close the estate and fulfill the reporting requirements of probate court. I have called and sent written requests for confirmation of payment on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, but the debt collector has not provided the confirmation despite stating they would do so. 

This conduct has delayed the administration of the estate and constitutes a disregard for both state probate law and the authority of the court. It is especially troubling that a professional debt collector or law firmentities that should be well aware of their legal obligationswould fail to acknowledge receipt of payment.

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 2025-06-18 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
I have a Cashapp account. On XXXX separate occasions, my identity XXXX bank I fo has been stolen. When I attempt to contact them, the reps don't want to deal with it. They state they will be opening g a complaint, then, turn around and state that they closed the complaint because there is nothing they can do about it. My bank has caught the fraud every single time, but, I have had to change my debit card everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 2025-06-18 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: Branch Messenger, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, a {$96.00} charge was made to my Uber Pro Card for a service labeled XXXX XXXX XXXXXXXX. I did not authorize this charge. I did not sign up for XXXX XXXX, and I did not use any XXXX rider services that day. 

In fact, I was actively working as an XXXX driver on XXXX XXXX XXXX, with ride history to prove I was driving customersnot riding as XXXX. 

I contacted Ubers Pro Card Disputes Team and explained the situation, including that I had not authorized or used XXXX XXXX, and that I had no reason to be using the rider platform while I was driving for XXXX. Their response was that since the charge used my email and phone number, they assumed it was authorized. This is inaccurate and unacceptable. Personal data match is not proof of consent or legitimate use. 

I have made multiple attempts to resolve this through XXXX internal process, but they have denied my dispute without conducting a proper investigation or offering any documentation to justify the charge. 

I am requesting that the Consumer Financial Protection Bureau help escalate this issue and recover the {$96.00} unauthorized charge to my Uber Pro Card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-18 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 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 2025-06-18 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: FL

Complaint narrative:
Dear CFPB Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX ( FCRA, TILA, FDUTPA Violations ) Re : Account # XXXX Dear CFPB, I am formally disputing several inaccurate entries currently being reported on my credit file under XXXX XXXX XXXX ( Account # XXXX ). These entries contain errors that violate the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 

Specific Disputes : XXXX. Unverifiable 30-Day Late Payment XX/XX/XXXX & XX/XX/XXXX You show 30-day late entries for XX/XX/XXXX and XX/XX/XXXX, while XXXX  lists all payments as OK. This discrepancy makes the delinquencies unverifiable and in violation of FCRA 1681e ( b ). 
2. Account Misclassification You list the account type as Auto Lease, which is correct, but conflicts with other bureaus. This inconsistency may cause automated underwriting errors and raises concerns under TILA, which mandates clear disclosure and consistency in account classification.

3. Continued Reporting After Account Closure Though the account is marked as closed, Experian lists a Date Last Active of XX/XX/XXXX, suggesting ongoing activity. If the lease was completed in full, continued activity is misleading and potentially harmful. 
XXXX. Unresolved Dispute Notation Your file includes a statement that the account was previously in dispute and resolved. If this was resolved in my favor, all late entries must be removed under FCRA 611.

Applicable Legal Support : FCRA 1681e ( b ) : Maximum accuracy in consumer reporting FCRA 611 : Resolution of disputes must result in correction/removal TILA : Accurate and consistent account classification required FDUTPA ( Florida 501.204 ) : False, deceptive, or misleading credit reporting practices I am requesting the following actions by : Delete the 30-day late payment entries for XX/XX/XXXX and XX/XX/XXXX Correct the Last Active date if no activity occurred post-closure Maintain proper classification and verify consistency with industry standards Send a corrected and updated copy of my credit file If these corrections are not made within 30 days, I will pursue complaints with the CFPB, Florida Attorney General, and consumer protection agencies. 
Sincerely, 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 2025-06-18 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation