vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am disputing inaccurate information reported by DPT ED XXXXregarding two student loans on my credit report. In XX/XX/year>, these loans were suddenly reported as 90 days late without any prior delinquency history. This reporting is factually impossible because : I have never missed payments on these loans The reporting jumped directly to 90 days late without showing the required progression of 30 days late, then 60 days late, before reaching 90 days late This sudden 90-day delinquency report violates standard credit reporting practices, as delinquencies must progress sequentially through 30, 60, and then 90 day

Company response to consumer: Untimely response
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am disputing inaccurate information reported by DPT ED XXXXregarding two student loans on my credit report. In XX/XX/year>, these loans were suddenly reported as 90 days late without any prior delinquency history. This reporting is factually impossible because : I have never missed payments on these loans The reporting jumped directly to 90 days late without showing the required progression of 30 days late, then 60 days late, before reaching 90 days late This sudden 90-day delinquency report violates standard credit reporting practices, as delinquencies must progress sequentially through 30, 60, and then 90 day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY CAPITAL/XXXX XXXX  STORE CREDIT CARD Date Opened XX/XX/year> Credit Limit {$1800.00} THIS ACCOUNT WAS SENT TO A COLLECTION COMPANY ( XXXX XXXX XXXX XXXX XXXX XXXX AND I ALREADY PAID THE OBLIGATION TO THEM, SO THE COLLECTION ON MY CREDIT REPORT DISAPPEAR BUT NOT THE REPORT FROM THE INITIAL COMPANY THAT GAVE ME THE CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX  regarding inaccurate and unfair late payment reporting on my credit report. 

My vehicle, a XXXX  XXXX XXXX, was involved in a collision and has been identified by my insurance provider as a possible total loss. Documentation is attached showing : An active insurance investigation is still ongoing ( message from adjuster attached ) A total loss claim and damage estimate exceeding {$30000.00} XXXX continues to report late payments, even though the vehicle is no longer drivable and under total loss review Under the Fair Credit Reporting Act ( FCRA ), specifically : 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate info to CRAs 1681s-2 ( b ) : Upon dispute, they must reinvestigate and correct or delete inaccurate data 1681i : Credit bureaus are required to delete unverifiable info within 30 days Additionally, XXXX  actions violate XXXX XXXX compliance reporting guidelines, which govern accurate credit data submission standards used by the major bureaus.

I have attached : The official XXXX repair estimate A message from the adjuster confirming the ongoing investigation Insurance documentation identifying the vehicle as a total loss XXXX XXXX  statement still showing active payment demand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Equifax on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : XXXX XXXX XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. XXXX. Equifax has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXXFurthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX  on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Equifax remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aqua Finance, Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding Aqua Finance, who continues to contact me in reference to a debt that I do not owe and that should be removed from my credit report.

Despite multiple requests, Aqua Finance has failed to provide adequate validation of this debt and continues to call me, which I consider to be harassment. The account in question is inaccurate, and I believe it is either a case of mistaken identity or a reporting error. I have disputed this debt through the proper channels, but Aqua Finance continues to report it to the credit bureaus and contact me, negatively impacting my credit standing and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Goodwill Adjustment Dear Credit Bureau, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with, which has been closed and shows no negative remarks on my credit report. 

Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX I have consistently made all payments on time and have strived to maintain a positive credit history. Given that this account is now closed and has no negative marks, I kindly request that you consider removing it from my credit report.

I appreciate your attention to this matter and your continued support in helping me maintain a healthy credit profile. Thank you for considering my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
Experian refusing to correct my credit score my XXXX XXXX should be paid no later than payments, the insurance company totaled the vehicle in XX/XX/year>, and will not take off the credit inquiry I requested a loan from XXXX  and found out they ran my credit numerous times without my permission, same with XXXX  on my credit report I did not request a credit pull, and the product was defective and refunded in full making XXXX  being over paid with my deposit making XXXX  a predatory lender with is illegal in Georgia

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal closed my checking account and falsely claimed that XXXX XXXX transfers were fraudulent. These XXXX transfers were initiated by me, from my own XXXX account to my own Navy Federal account. I am the sole account holder on both sides. 

I never reported any fraud, and I have provided bank statements proving I sent the funds myself. Despite this, my appeal was denied, and Navy Federal has failed to justify the closure. 

In a recorded call with their customer service representatives, I was explicitly told that the account was closed for fraud. When I asked who reported the fraud, the representative stated, Theres no name attached the only name is yours. This confirms there was no actual fraud, and the decision was baseless. 

Their written denial contradicts their verbal claim and only cites vague unacceptable risk, providing no transparency or recourse. I believe this violates fair banking practices and may lead to reputational harm with other institutions.

I am requesting that CFPB investigate and require Navy Federal to provide : A full explanation and documented reason for closure. 
Immediate correction of any fraud-related record. 
Removal of any negative reporting to third-party databases. 

I am prepared to submit the call transcript and audio if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
XXXX cash app disappeared XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This letter is a formal dispute and demand for the immediate removal of the following unauthorized hard inquiries from my credit file. I did not authorize any of these companies to access my credit report. I never gave written or verbal permission for these inquiries to be made.

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : 15 U.S.C. 1681b No inquiry may occur without permissible purpose and authorization 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1681i Duty to reinvestigate disputed information 15 U.S.C. 1681c-2 ( Section 605B ) Blocking of information resulting from identity theft This is a formal demand for the immediate removal and permanent block of a fraudulent account being reported by LVNV Funding LLC on my credit file. I am the victim of identity theft, and I did not authorize, open, or benefit from this account in any way. 

Account in Dispute : Creditor : LVNV FUNDING LLC Date Reported : [ Insert if known ] Nature of Dispute : Unauthorized account Identity Theft Required Action : Permanent deletion and block under FCRA Section 605B LEGAL BASIS : In accordance with the Fair Credit Reporting Act, specifically : 1681c-2 ( FCRA Section 605B ) Requires blocking of fraudulent information upon notification of identity theft 1681i Obligation to reinvestigate disputed information 1681e ( b ) Duty to ensure maximum possible accuracy 1681n & 1681o Civil liability for willful and negligent noncompliance You are legally required to block this information from my credit report within 4 business days of receiving my documentation and to complete your reinvestigation and provide confirmation of deletion within 14 calendar days. 


I demand that you : Provide a copy of any signed documentation authorizing these inquiries. 

Provide evidence of a permissible purpose for each inquiry. 

Immediately block and delete any unverifiable or unauthorized inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Goodwill Adjustment Dear Credit Bureau, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with, which has been closed and shows no negative remarks on my credit report.

Account Number : XXXX Date Opened : XX/XX/year> Date Closed : I have consistently made all payments on time and have strived to maintain a positive credit history. Given that this account is now closed and has no negative marks, I kindly request that you consider removing it from my credit report.

I appreciate your attention to this matter and your continued support in helping me maintain a healthy credit profile. Thank you for considering my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I was charged {$850.00} by a merchant listed as XXXX XXXX XXXX XXXX for services that were never rendered. The merchant did not disclose a no-refund or cancellation policy prior to paymentthere was no written or verbal communication, no terms and conditions on the invoice, and no such policy was visible on their website at the time of the transaction. 

When the merchant failed to provide the promised services, I requested a refund. At that time, the merchant attempted to enforce a no-refund policy that was never disclosed beforehand. According to federal consumer protection guidelines, refund policies must be clearly communicated before a transaction, not afterward. 

I filed a dispute with Capital One, who temporarily credited my account for the {$850.00}. However, the merchant submitted documentation claiming a no-refund policy, leading Capital One to re-bill the amount to my account. 

I have attempted to resolve this matter directly with the merchant, including sending a formal written request for a full refund. As of now, the merchant has not refunded the payment nor provided any valid justification for withholding funds for an unrendered service. 

I am requesting the CFPB to investigate this matter and assist in securing a full refund. I am also submitting supporting documentation, including my correspondence with Capital One and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to demand immediate and permanent removal and blocking of a fraudulent auto loan account that appears on my credit report due to identity theft. I did not open this account, nor did I authorize anyone to do so on my behalf. 
I first discovered this fraudulent account in XX/XX/year> and promptly filed an Identity Theft Report with the FTC and a police report ( copies enclosed ). Despite this, this account remains on my credit file, severely damaging my credit and causing denials and judgments from lenders.

You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to act swiftly and decisively in this matter. Your failure to do so constitutes willful and reckless violations of the following sections : Section 605B ( 15 U.S.C. 1681c-2 ) : Requires that credit reporting agencies block fraudulent information within 4 business days after receiving proper identity theft documentation, permanently removing such information from my credit file. Your continued reporting of this fraudulent account violates this provision and damages my rights and creditworthiness. 


Section 611 ( 15 U.S.C. 1681i ) : Mandates that you conduct a reasonable reinvestigation of disputed information within 30 days, and correct or delete any information found to be inaccurate or unverifiable. This fraudulent account has not been verified as mine and must be deleted immediately.

Section 623 ( 15 U.S.C. 1681s-2 ) : Imposes duties on furnishers of information to investigate and correct inaccurate information upon notice of dispute or identity theft. The creditor reporting this fraudulent loan is in violation for continuing to report false information.

Section 607 ( 15 U.S.C. 1681e ) : Requires maximum possible accuracy of information reported by furnishers and maintained by credit reporting agencies. This fraudulent account is patently inaccurate.

Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to obtain a copy of all information in my credit file and demand removal of inaccurate, fraudulent, or outdated information.

Your continued failure to comply with these federal laws harms me financially and emotionally and will leave me no choice but to pursue legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential lawsuits for statutory damages, actual damages, attorney fees, and punitive damages under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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.

Complaint narrative:
These Hard Inquiries don't belong to me hard inquiry : 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 non-monetary relief
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.

Complaint narrative:
These Hard Inquiries don't belong to me hard inquiry : 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 2025-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I am experiencing serious issues with the reinstatement of my mortgage with LoanDepot, compounded by conflicting and confusing communication from XXXX, also referred to as XXXX XXXX XXXX. Despite receiving a reinstatement letter and attempting to send certified funds to the address provided, my payment was returned undeliverablemarked as a vacant lot. Throughout this process, Ive been given contradictory information regarding the foreclosure status, sale dates, and mailing instructions. LoanDepot has denied recognition of XXXX XXXX XXXX, and I have yet to receive clear answers or accurate documentation despite repeated efforts. Ive kept detailed records, emails, and call logs to support my claims. Im seeking immediate assistance to resolve this matter, reinstate my mortgage properly, and avoid wrongful foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am working on buying me a new house and new car it stoping me from moving forward with my life. I would like this to be removed off my credit report and it was run with out my permission..

Company response to consumer: Closed with explanation