vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been a member of Navy Federal for 8 months. I recently applied for a credit card. For some reason they have frozen my approved credit card, frozen my checking account with them and revoked my membership. When I call to find out what justified this suspicion and adverse actions again my account they tell me that I could be part of a crime ring so they can not tell me unless I have a supeana, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is a simple credit card. Any information in question should be verified before I get the card or call me to resolve the information. My accounts were closed with no explanation before or after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
I am submitting this formal complaint against Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for unlawful and inaccurate reporting of one or more charged-off credit card accounts appearing on my credit report. These actions have caused substantial harm to my creditworthiness and violate multiple federal consumer protection laws. 

Specifically, I believe the creditor and credit reporting agency has engaged in unlawful conduct :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
On XXXX XXXX XXXX my phone was stolen from a coffee shop. The thief accessed my XXXX XXXX account using my stolen device and transferred {$1500.00} to themselves from my Wells Fargo checking account without my authorization. 

I reported this fraudulent transaction to Wells Fargo. They issued a provisional credit but later denied my claim, stating it was authorized because the transaction came from my device. However, this ignores the fact that my phone was stolen and I did not authorize this transfer. 

I provided Wells Fargo with a police report ( XXXX XXXX. [ XXXX ] ) documenting the theft. Despite this evidence, they refused to reopen the fraud claim. 

I am seeking help because Wells Fargo is holding me responsible for a fraudulent transaction committed by someone else using my stolen property.

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 2025-05-16 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Company has filed a suit against me to repay this debt although debt is reporting on my credit report as charged off/written off as profit loss XX/XX/year>. I have never received a 1099C and upon checking my tax transcripts no 1099C has ever been issued, however, this company continues to report to the credit bureaus that I owe {$6500.00}. My report continues to say that this debt was charged off in XXXX. And the company continues to try to sue and garnish my checks. I have been disputing this account on my credit report for years to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Third party debt collectors are reporting inaccurate information that is hurting my credit. I have been disputing items and nothing is happening I have filed complaint after complaint with FTC, IDENTITYTHEFT.GOV, CFPB, nothing is changing, creditors are refusing to remove false information. Credit reporting agencies keep reporting inaccurate information without providing me all proof of photo ids, signatures, contracts, etc. to prove proper investigation of alleged debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) {$630.00} - * * Issue * * : Fraudulent account opened XX/XX/XXXX. No contractual agreement exists. 
- * * Violation * * : FCRA 623 ( a ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No contractual agreement exists- * * Issue * * : charge-off ; account never opened. {$60.00} - * * Violation * * : FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - * * Issue * * : Unvalidated debt ; violates * * FDCPA XXXX ( b ) * *. 
- * * Issue * * : Fraudulent account opened XX/XX/XXXX. No contractual agreement exists. {$2400.00} - * * Violation * * : FCRA 623 ( a ) ( 3 ) 4. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. No contractural agreement exists. 
- * * Issue * * : charge-off ; account never opened. {$120.00} - * * Violation * * : FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
* Issue * Erroneous charge-off ; account never opened. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - * * Issue * * Reporting inaccurate Repossession, Late payments. 
XXXX XXXX paid in full on time. 
# # # # * * C. Cease and Desist Demand * * Per * * FCRA 611 ( a ) ( 5 ) * *, you must halt reporting of all disputed items pending investigation.

* * Legal Action Warning * * : - Failure to resolve within * * 30 days * * will result in litigation in for statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
Subject : Complaint Against Experian for Failure to Properly Investigate Dispute To Whom It May Concern, I am filing this complaint regarding Experians failure to properly investigate and act upon a dispute I submitted related to an account with XXXX XXXX XXXX and the inaccurate handling of my personal information update request. 

On XXXX XXXX XXXX, XXXX XXXX provided me with an official letter confirming they submitted a deletion request for my account to be removed from all three major credit bureaus, including Experian. I have attached this letter to support my claim. Despite the clear confirmation from the original creditor, Experian failed to delete the account from my credit report and instead marked it as updated, which continues to harm my credit standing. 

Additionally, I submitted a separate dispute to update my personal informationspecifically my current address. However, Experian only partially addressed this issue by updating my name and then unnecessarily referencing and altering information tied to my Social Security number, which was not mentioned or required in the request. This not only demonstrates mishandling but also raises concerns about Experians internal dispute process and accuracy. 

I am requesting the CFPB to investigate Experians actions regarding both : 1. Failure to honor the deletion request submitted by XXXX XXXX XXXX. 
2. Incorrect and irrelevant handling of my dispute regarding personal information ( name/address ). 

This mishandling has delayed my efforts to improve my credit and has caused undue frustration and potential financial harm. I ask that Experian be held accountable and that this matter be resolved promptly. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, I carried out an exchange transaction using a XXXX XXXX. The amount I was going to exchange was {$2000.00} USD. The counterparty in the exchange sent me two payments via XXXX : one for {$2400.00} and another for {$10.00}, both of which were successfully received in my bank account. 

Trusting in the legitimacy of the transaction and suspecting no issues, I proceeded to release the exchange, thus completing the operation. 

Unfortunately, my problems began shortly after : the funds received were reported as fraudulent. As a result, my bank decided to close my account and charged me for those amounts, seriously affecting my financial situation. 

I have attempted to contact the bank multiple times to dispute what happened, but to this day, it has been impossible to obtain a clear response. I keep getting transferred from one department to another without being given a solution or the opportunity to present a formal defense.

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 monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
My son sent me XXXX dollars to help with my bills. Cash app tagged it on XXXX the XXXX. And as of today its still pending. I have filed claims with them and they keep saying that they closed the claim reapply. They have done that 4 times. The last time I said Im done with this just return the money to my son. But they will not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
The last time I complained about this was in regards to the improper length of a credit card. As of right now is still showing up incorrect. But my reason for my complaint, this time is in regards to the payment history thats showing less than hundred percent. It keeps fluctuating when indeed I was always 100 % paid on time. So now Im complaining about that situation just on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Filed a claim for over {$7000.00} around XX/XX/XXXX. 
Attempted to reach out to the original company but received no help. Filed a dispute with Citi Bank twice but the claim was quickly denied, although I explained the circumstances and these charges were online in another area I do not reside in. After receiving the information why, according to Citi bank transactions were performed with a Citi issued debit card, protected with an embedded XXXX XXXX. Since the XXXX XXXX  was used at a chip enabled card reader, and you indicated the card was in your possession, we're unable to honor your claim.. This is all false because these transactions were made online & I told both agents that I did not have possession of the card.

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 2025-05-16 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: GA

Complaint narrative:
I am filing this complaint because TransUnion is not complying with its obligations under the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and correction of disputed credit information. 

On XX/XX/XXXX, I submitted a formal dispute to TransUnion concerning inaccurate late payments ( 120 days delinquent ) reported for XX/XX/XXXX and XX/XX/XXXX on my student loan account with XXXX. I clearly documented that the account was in deferment during this period and that these late payments were reported in error. After receiving an unsatisfactory response, I re-opened the dispute on XX/XX/XXXX. On XX/XX/XXXX, TransUnion issued a letter stating the dispute investigation was complete, yet the inaccurate late payments remain on my credit report. 

Per the FCRA, credit reporting agencies are required to conduct reasonable investigations and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Despite submitting all required documentation and clearly identifying the error, TransUnion has not corrected the report. This raises serious concerns about whether a reasonable investigation was performed as required by law. 

In contrast, I submitted the same documentation to XXXX  and XXXX, and both bureaus properly updated their credit reports removing the inaccurate delinquencies and accurately reflecting the accounts deferred status. TransUnions failure to take consistent and corrective action is not only unfair, but it is also inconsistent with FCRA requirements and is continuing to cause significant harm to my credit profile. 

I am requesting that the CFPB review this issue and ensure TransUnion fully corrects this reporting error by removing the inaccurate late payments and updating the report to reflect the proper deferment status, in accordance with federal law.

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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-16 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Account LVNV FUNDINGLLC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IN

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our 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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
Hello XXXX, We are XXXX, a third party debt collection agency that is working on behalf of OppLoans ( current creditor of your original XXXX account ) to collect on a balance of {$940.00}. 

Our approach is to make the debt collection experience better for the customer by offering self-serve options online. We're even offering you a discount of {$370.00}! 

You can review the details of this balance below. 

Current creditor OppLoans OppLoans account ending in XXXX Original creditor XXXX XXXX  account ending in XXXX Outstanding Balance {$940.00} Discount - {$370.00} Total You Will Pay {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation