vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Subject : Navy Federal Credit Union Closed My Account and Withheld Funds Without Proper Investigation Complaint Summary : Navy Federal Credit Union ( NFCU ) wrongfully closed my account after a friend reported all their recent transactions as fraudulentincluding a XXXX transactions they had intentionally and knowingly sent to me. Despite providing extensive documentation proving the XXXX payment was valid and authorized, NFCU has refused to restore access to my account. I have been a loyal member of Navy Federal for over 25 years, since the age of XXXX, through my father who served as an XXXX XXXX member of the military. The treatment I have received is deeply disappointing and does not reflect the values Navy Federal claims to uphold for military families. 
Details of the Issue : A friend of mine mistakenly included all of their recent transactions in a fraud report to their bank, including a XXXX transfer that they knowingly and willingly sent to me. 
The XXXX transaction was authorized, legitimate, and discussed in advance. 
I submitted the following supporting documentation to Navy Federal : A written confirmation from the sender ( my friend ) stating the XXXX transaction was not fraud. 
Bank statements from the senders institution showing the XXXX transfer to my account. 
Screenshots and message history between me and the sender confirming the legitimacy and intent of the transaction. 
Despite this compelling evidence, Navy Federal closed my account and is withholding my funds from the transaction.

I was not given a chance to participate in a thorough or fair investigation, nor was I properly informed about the rationale behind the closure. 
This action appears arbitrary and unjustified, and I believe it violates federal consumer protection laws and accepted banking protocols. 
Requested Resolution : Immediate release of the funds that were rightfully sent to me via XXXX. 
Reopening of my account or, at a minimum, limited access to retrieve my funds. 
A formal review of Navy Federals internal investigation process, which was inadequate in this instance. 
Written assurance that this issue will not negatively affect my consumer banking record or creditworthiness. 
Company Name : Navy Federal Credit Union Product : Checking or Savings Account Problem : Account closed without proper investigation ; funds being withheld despite valid authorization of transaction. 
Membership History : Member for over 25 years, beginning at age 12, through my fathers XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-08-02 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:
XXXX XXXX Acct Ending XXXX After my XXXX formal dispute ( XX/XX/XXXX ), XXXX changed my payment history multiple times, altering late payment dates and the repossession date.No signed credit application, pre-sale notice, or deficiency letter has been provided.These actions constitute re-aging, a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ). XXXX is also in violation of UCC 9-610 and 9-614, which require proper pre-sale and post-sale notices for repossessions. 

XXXX  Acct Ending XXXX Still reporting with incomplete tradeline information, no successor lender, and no identity verification documentation provided. Violates FCRA 623 ( a ) ( 1 ) ( A ) and CIP requirements under 31 CFR 1020.220. 

XXXX XXXX Acct Ending XXXX First delinquency date was XX/XX/XXXX, making it eligible for early exclusion under FCRA 605 ( a ) ( 4 ).

Equifax continues to report the account without reviewing age-based deletion eligibility. 

Unauthorized Hard XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax did not provide copies of documentary evidence ( credit applications, IDs, loan contracts ) despite my requests under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Instead, Equifax allowed XXXX to modify my payment history without verification, constituting willful noncompliance under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TX

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. 

FRAUDULENT INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Continental Services Group, Inc. d/b/a ConServe
State: AZ

Complaint narrative:
On XXXX XXXX, and then again at a later date the US Treasury provided me notices XXXX XXXX XXXX ) indicating that the balance for a XXXX and XXXX obligation for XXXX XXXX, XXXX XXXX {$5200.00} plus {$42.00} remain unpaid. The US Treasury was provided with a copy of IRS Direct pay confirmation XXXX XXXX, submitted XX/XX/year> at XXXXXXXX XXXX XXXX Amount paid and accepted. XXXX XXXXAlong with supporting documents and an explanation. 

The US Treasury failed to research the topic of the location of the payment I made, but instead hired Con Serve, a debt collection agency, who promptly added {$1300.00} in interest, and {$1000.00} in penalties and fees. I contacted XXXX XXXX and supplied them with the same information I previously supplied to the US Treasury. 

XXXX. I would like Con Serve removed from the case. 
XXXX. I would like the US Treasury to take the time to find the {$5300.00} payment of XXXXAnd be appropriately to my account XXXX. I would like the interested and penalties abated since the required payment was made on or before due date. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Dear Equifax, Due to the recent lawsuit filed against Equifax on XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law.

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal.

Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Dear Equifax, Due to the recent lawsuit filed against Equifax on XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law.

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal.

Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This is another account with the same collection agency and the person who stole my identity must of had XXXX accounts with the same company. Credit XXXX is the credit card company and LVNV FUNDING is the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX  XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX 2016

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 2025-08-02 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: MI

Complaint narrative:
Transunion, Experian, and Equifax continued for months to report an account XXXX XXXX XXXX  inaccurately. I disputed the accounts over several months and even filed CFPB complaints. The account was listed as charged off with several late payments and high balances. The problem is this is not my account. The account does not even match my social security number or birthday. I called each credit bureau repeatedly and explained they must have merged my file with someone or just adding accounts that do not belong to me. XXXX XXXX XXXX  stated they were suspecting collection and reporting because they realized the personal information did not match up. Despite this the credit bureaus had continuously updated the account as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
The XXXX XXXX  account is still reporting on my credit as open. When the account has been closed and charged off since XX/XX/year>. Ive reached out to all 3 reporting agencies filed dispute after dispute letting them know information is incorrect. Yet they have completely ignored 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 non-monetary relief
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
The XXXX XXXX  account is still reporting on my credit as open. When the account has been closed and charged off since XX/XX/year>. Ive reached out to all 3 reporting agencies filed dispute after dispute letting them know information is incorrect. Yet they have completely ignored 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 2025-08-02 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: PA

Complaint narrative:
The XXXX XXXX account is still reporting on my credit as open. When the account has been closed and charged off since XX/XX/year>. Ive reached out to all 3 reporting agencies filed dispute after dispute letting them know information is incorrect. Yet they have completely ignored my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
I initiated a money transfer of $ XXXX from my bank in XXXX XXXX Colorado to my checking account with Chime on XX/XX/XXXX. It was not there as it should have been on XX/XX/XXXX. On XXXX I called and spoke to an agent with Chime who explained that it would be there on XXXX by the end of the day, it wasnt. I spoke to the branch manager at my bank in XXXX and he advised that the transaction was posted on their end. If needed I can get the ACH trace ID from my bank in XXXX if that will help. Chime is holding my money for no reason and I continue to get the runaround from everyone I talk to there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
I reviewed my credit report and noticed multiple inaccuracies that are negatively affecting my credit profile. Several hard inquiries were made without my knowledge or authorization, including from companies like XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, and others on XX/XX/XXXX, such as XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. I never applied for credit with these companies on or around those dates, and I did not consent to these inquiries. Additionally, there is an inquiry from XXXX dated XX/XX/XXXX, that is incorrectly showing as a negative item on my report, which is a misrepresentation and misleading. Beyond that, my credit file contains several incorrect variations of my name and inconsistent addresses, which I did not authorize or use. These errors create confusion and raise concerns about the accuracy of my file. Despite prior dispute attempts, these issues remain unresolved and continue to damage my credit reputation. I am now requesting that all unverifiable or inaccurate information be corrected or permanently removed.

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 2025-08-02 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: LA

Complaint narrative:
According to 15 USC XXXX I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any information like verification of debt, the original contract bearing my signature or a explanation of the calculated amount. Mohela

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
AFTER REVIEWING MY CREDIT REPORT MY INFORMATION HAVE BEEN COMPROMISED. THIS GOES AGAINST THE 15 USC 1681 LAW. THIS IS NOT FAIR BECAUSE I WAS TRYING TO BUY A HOME AND THESE FRAUDULENT ACCOUNTS ARE PRECVENTING ME. PER THE FCRA MY INFORMATION SHOULD BE PROTECTED AND NOT NEGLECTED. PLEASE HELP ME WITH THIS MATTER

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 2025-08-02 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: GA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT MY INFORMATION HAVE BEEN COMPROMISED. THIS GOES AGAINST THE 15 USC 1681 LAW. THIS IS NOT FAIR BECAUSE I WAS TRYING TO BUY A HOME AND THESE FRAUDULENT ACCOUNTS ARE PRECVENTING ME. PER THE FCRA MY INFORMATION SHOULD BE PROTECTED AND NOT NEGLECTED. PLEASE HELP ME WITH THIS MATTER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over XXXX days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, XXXX, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Harley Davidson Financial Services Inc
State: NY

Complaint narrative:
I REQUESTED THE FORM 1099c from HARLEY DAVIDSON CREDIT BECAUSE ON ALL THREE CREDITS REPORT IT STATE THAT THE ITEM # XXXX AUTOMOBILE WAS CHARGE OFF, AND THE COMPANY REFUSE TO SEND ME THE FORM 1099C, AFTER THE VEHICLE WAS CHARGED OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PR

Complaint narrative:
This student loan is from 1988. The account was previously removed due to the XXXXyear limit and is now being reported again as if a new account. This almost XXXXyear old account has no reason to be reported as new.

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 2025-08-02 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: PR

Complaint narrative:
This student loan is from 1988. The account was previously removed due to the XXXXyear limit and is now being reported again as if a new account. This almost XXXXyear old account has no reason to be reported as new.

Company response to consumer: Closed with explanation