vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Financial Institution : Navy Federal Credit Union Branch : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX COMPLAINT SUMMARY Navy Federal Credit Union improperly held, released, and then re-held a XXXX Treasury Social Security XXXX check without notice, creating an artificial overdraft caused solely by the credit unions actions. 

WHAT HAPPENED On XX/XX/XXXX, I deposited a XXXX Treasury Social Security XXXX lump-sum check ( ~ {$48000.00} ) in person at Navy Federals XXXX XXXX XXXX CA branch . 
Navy Federal placed a prolonged hold on the check without providing any written or electronic hold notice. 
On XX/XX/XXXX, after I drove approximately 3 hours round trip and another hour at the branch, a manager released the full funds. Transactions were authorized and completed. 
On XX/XX/XXXX, Navy Federal re-applied the hold without notice after transactions had already occurred, creating a negative balance and other financial obligations not being met caused solely by Navy Federals internal actions.

Customer service and supervisors refused same-day correction and advised waiting until Monday. 
On Monday XX/XX/XXXX I had to spend another 4 hours driving to the branch to seek resolution to this problem.

WHY THIS IS A PROBLEM No hold notice was provided Funds were released then reversed Transactions were authorized An artificial overdraft was created RESOLUTION REQUESTED Immediate reinstatement of funds Written confirmation of bank error Reversal of all fees Corrective action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunset Management, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate and misleading information on my credit report. The account was charged off and closed, yet XXXX XXXX continues to update the account with monthly charge-off statuses after the date of closure. 

This constitutes illegal re-aging and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires information to be accurate, complete, and not misleading. A charged-off and closed account can not continue to accrue new delinquency months.

I have disputed this with the credit bureau, but the inaccurate reporting remains. I am requesting immediate deletion or correction of this account and written confirmation of compliance.

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 2025-12-15 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: AR

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-12-15 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: NC

Complaint narrative:
I am filing this complaint to report inaccurate, unverifiable, and legally non-compliant information being furnished to consumer reporting agencies by the companies listed below. Despite prior disputes, these accounts continue to be reported with inconsistent balances, dates, statuses, and payment histories that can not all be accurate at the same time. 

Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit bureaus must be accurate, complete, and verifiable. The continued reporting of conflicting data demonstrates that these furnishers have failed to conduct a reasonable investigation and are reporting information that does not meet the maximum possible accuracy standard required by law. 

Disputed Accounts/ Furnishers XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX ) Reported XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX ) Reported XX/XX/2024 Basis of My Complaint These accounts contain one or more of the following violations : Conflicting account statuses ( open vs. closed, charged off vs. current ) Inconsistent dates of last activity or last payment Inaccurate balances and payment histories Duplicate or mismatched account numbers Continued reporting after deletion by another bureau Failure to provide verifiable documentation when disputed A single account can not legally have different facts reported to different credit bureaus. This proves the information is unverifiable and should not be reported. 

Legal Violations The continued reporting of these accounts violates, but is not limited to : 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information 15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation after dispute 15 U.S.C. 1681e ( b ) Requirement to ensure maximum possible accuracy Harm Caused This inaccurate reporting has caused financial harm, including damage to my creditworthiness, higher interest rates, and denial of credit opportunities. These harms are ongoing as long as the inaccurate data remains on my consumer reports.

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 2025-12-15 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: NC

Complaint narrative:
I am filing this complaint to report inaccurate, unverifiable, and legally non-compliant information being furnished to consumer reporting agencies by the companies listed below. Despite prior disputes, these accounts continue to be reported with inconsistent balances, dates, statuses, and payment histories that can not all be accurate at the same time. 

Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit bureaus must be accurate, complete, and verifiable. The continued reporting of conflicting data demonstrates that these furnishers have failed to conduct a reasonable investigation and are reporting information that does not meet the maximum possible accuracy standard required by law. 

Disputed Accounts/ Furnishers XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX ) Reported XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX ) Reported XX/XX/2024 Basis of My Complaint These accounts contain one or more of the following violations : Conflicting account statuses ( open vs. closed, charged off vs. current ) Inconsistent dates of last activity or last payment Inaccurate balances and payment histories Duplicate or mismatched account numbers Continued reporting after deletion by another bureau Failure to provide verifiable documentation when disputed A single account can not legally have different facts reported to different credit bureaus. This proves the information is unverifiable and should not be reported. 

Legal Violations The continued reporting of these accounts violates, but is not limited to : 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information 15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation after dispute 15 U.S.C. 1681e ( b ) Requirement to ensure maximum possible accuracy Harm Caused This inaccurate reporting has caused financial harm, including damage to my creditworthiness, higher interest rates, and denial of credit opportunities. These harms are ongoing as long as the inaccurate data remains on my consumer reports.

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 2025-12-15 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.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-15 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: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove this fraudulent account from my report, according to the Fair Credit Reporting Act ( FCRA ) Section 605B they are hurting my ability to obtain credit.

Account name XXXX XXXX Ac
count number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
This is now the third complaint. Scott and Associates has still yet to provide ALL FOUR REQUIRED ITEMS for debt verification. I have NEVER spoken to this company a day in my life until someone served me papers. They will only provide billing statements. They have mailed billing statements to my house twice but no chain of custody and no original contract. NOTHING. I will continue to make complaints every time they respond. I will in addition be filing a lawsuit against them and filing a motion to dismiss or stay due to the debt collection arbitration clause. Theyre well aware what theyre doing is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hunt & Henriques
State: CA

Complaint narrative:
On XX/XX/year>, I had called Hunt & Henricks ( Debt Collection Service ) to take care of my debt since I had received a letter from them. I paid the debt off of {$4400.00} in full to immediately start the dismissal of the case. 

The representative that I spoke to took care of the payment and had said it would take about 30 days to receive documentation regarding my debt being fully paid as well as the case dismissal. 

On XX/XX/year>, the charge of {$4400.00} was already charged to Hunt & Henricks. 

However, a couple days ago ( XX/XX/year> ), they still have a debt collectors showing up at my house. I have continued calling Hunt & Henricks, but they will not pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
In XX/XX/year>, I purchased premium event tickets through XXXX using PayPal ( PayPal case XXXX XXXX XXXX The tickets purchased were specific, high-value seats ( front-row floor seating ) in which I paid XXXX {$11000.00}. Payment was completed successfully through PayPal. 

After the purchase, I never received the tickets I paid for. Based on the sequence of events and XXXX own acknowledgments, it appears the original seller never possessed the tickets and created a fraudulent listing. As part of XXXX process, the seller was provided with the buyer email address for ticket transfer purposes. I believe the fraudulent seller used this access to obtain my email address with no intention of delivering the tickets. 

Shortly after the purchase, my XXXX account was taken over by a third party. The email address on my account was changed without my authorization after the individual contacted XXXX customer service while impersonating me. This occurred despite the fact that I had previously contacted XXXX warning them not to change my account email under any circumstances, and I had XXXX enabled on my account. 

While my account was compromised, the third party accepted a different set of tickets on my behalf that were materially inferior to what I purchased ( lower section and row, with approximately half the market value ). I did not request a replacement, did not approve a downgrade, and did not knowingly accept these tickets. The acceptance occurred while the account was under unauthorized control. 

I contacted XXXX repeatedly. XXXX acknowledged suspicious activity, confirmed the account was under fraud investigation, and locked the account. XXXX customer service advised me to file a PayPal dispute while their investigation was ongoing, stating they could not process a refund until the account was unlocked. 

I filed a dispute with PayPal and submitted evidence showing the account takeover, unauthorized email change, and the materially different tickets received. Despite this, PayPal denied the dispute by incorrectly categorizing it as a damaged or not as described item case. This was an error. Event tickets are a service defined by section and row, and I did not receive the service I purchased. The downgrade was substantial and unauthorized. 

The event has since passed, and I never received the tickets I originally paid for. I am requesting that PayPal reopen and correctly adjudicate this dispute as fraud and materially different service, and issue a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I started communicating with Lienholder 's customer care line sometime in XXXX of this year in an effort to obtain a written authorization allowing registration while the lien remains in place, since my husband passed away, and the lien was solely in his name ; I am only listed as an authorized user on the account. 

After several frustrating conversations throughout the month of XXXX, I switched to written communication via email with their title department. I requested to escalate with this department as well after no resolution was offered, which is in alignment with my needs. Emails began on XX/XX/year>, and we are still no closer to a resolution. I am working with an intermediary who is corresponding with the lienholder 's legal team on my behalf.

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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I am requesting escalation of my case due to a failure to investigate and resolve a documented identity-theft claim in a timely and appropriate manner. 

I submitted a False Certification ( Identity Theft ) Loan Discharge Application along with supporting documentation, including a police report, FTC Identity Theft Report, a letter of non-attendance from the school, and identification records. The loan servicer, XXXX, has acknowledged receipt of these materials. 

Despite this, the servicer has indicated that no determination will be made for up to 60 days and has taken no substantive investigative action beyond acknowledging receipt of the application. There has been no explanation of investigative steps taken, no request for additional information, and no indication that the matter has been escalated internally for fraud review. 

Additionally, the servicers written statements indicate that the loan continues to be treated as valid until a final determination is made, despite the presence of multiple independent indicators of identity theft and a fraudulent Master Promissory Note. 

I am requesting that Federal Student Aid exercise its oversight authority to ensure that : A meaningful investigation into the identity theft is conducted promptly ; The case is escalated beyond routine servicing review to appropriate fraud or compliance personnel ; The servicers handling of this matter is reviewed for adequacy and timeliness ; and I am provided clarity on the status, scope, and expected timeline of the investigation. 

This request is not about payment status or servicing preferences. It concerns the lack of investigative action and escalation in a case involving documented identity theft and a disputed federal loan. 

Thank you for your assistance and oversight.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-15 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:
Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of the charged-off account listed on my Experian credit report. I have reviewed my report carefully and believe the information being reported is inaccurate, incomplete, and not fully compliant with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account XXXX XXXX XXXXXXXX Date Reported/Opened : XX/XX/2021 Balance : {$660.00}

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 2025-12-15 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: DE

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-15 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: DE

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation