vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a wire for $ XXXX to purchase a XXXX and also took out $ XXXX to purchase a home via cashier check. I received a call later that evening to call the security department. I called on Monday XX/XX/XXXX and they advised me that my accounts were restricted but could not provide a reason. I went into the branch with all supporting documentation for my entire business which included contracts, invoices, purchase agreements and contract labor agreements. The banker scanned all my information in and submitted the appeal. On XX/XX/XXXX I called Navy Federal customer service and they advised my appeal was denied. I went to the branch and sat with a banker who advised that when the appeal was previously submitted it was submitted towards the wrong account which was the personal account and not the business account. We then rescanned everything and resubmitted with the business account information although the business account information was submitted initially. I was advised to call everyday to retrieve an update and everytime I call customer service they advise that they can not tell me any information a room or the representative does not throughly look through the account to provide feedback back. They will not transfer me to the security department to see whats going on with account. All of my assets are tied up in this restriction. I am unable to pay bills, pay my staff and it has cause a major disruption in business and my personal life. This has affected my credit, a hault to my business and the many families I work with. Ironically I was advised that I could still receive payments from invoices to an account that is restricted which ultimately means they are willing to still receive my money but not give it to me. I am still very unaware of why this is happening and I am facing grounds of closing my business and being evicted or able to support my children. This entire ordeal has turned my life upside down with no answers. Had I dont something wrong I can submit anything needed to support my invoices and incomes along with all documents of patients, clients ect. Ive realized that Navy Federal has done this to countless members and left them with nothing and no Information. Ive now filed a complaint and also contacted an attorney to have this handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
I recently reviewed my credit reportI recently reviewed my credit report and noticed an account was not reporting accurately. i had a late payment on an account that was in fact paid on time .The consumer reporting agencies need to report all information with complete accurary. thia account has not been late on payments. i have attached a copy of my credit report to this complaint on the following dates ( XX/XX/year> ) and ( XX/XX/year> ). 
I demand this payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. i have substantial doubts about the accuracy of the information. Please update thie to PAID NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Miguel A. Maza & Associates, PSC
State: PR

Complaint narrative:
Miguel A Maza and associates and XXXX XXXX XXXX are an illegal debt collection agency on Puerto Rico. They dont have debt collection lisence from PuertoRico to collect any type of debt. I want them immediately stop their illegal debt collections practices witouth lisence. They handle thousand of illegal debt collections, I want CFPB to fine these business with {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 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: NY

Complaint narrative:
Recently l looked at a copy my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item I am asking you to verify as accurate : TransUnion : 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 2025-05-30 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: OneMain Finance Corporation
State: PA

Complaint narrative:
Received a letter from XXXX XXXX XXXX regarding a {$3000.00} loan that was dated XX/XX/year>. The company sent a rejection letter but a hard inquiry is seen in credit report. The hard inquiry is by One Main for the same date XX/XX/year>. No such request was made by myself and no information was provided by me to either financial service company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-30 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
Weltman, Weinberg, & Reis has sued me for a debt with XXXX which I filed complaints about previously. We agreed on a settlement amount and they have yet to withdraw it though I paid with a debit card. I wonder if they are waiting until XXXX to run my card because supposedly the agreed settlement is no longer valid after the end of XXXX. Also, they had opened the case in my county twice and only served me once, so when they dropped the case the case number I was never served for was dropped not the actual open case which I was served for. I am very concerned about their manipulative practices when Im barely making rent or able to afford groceries. Im afraid these acts are going to land me in court with them despite trying to pay off the debt multiple times with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I've contacted Equifax customer service about a dozen times due to an issue with signing into myEquifax account. Each agent I spoke to said they needed to escalate the issue with their technical team, and that I should get a response within a couple days. After several follow-up emails from the Consumer Care Team stating the login issue has been resolved and to try logging back it, I still am unable to sign in to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had N account specifically set up for an emergency. My car payment was coming out of a joint account with my husband, paid through the business as it was a vesicle used for company purposes. My husband was very good friends with the bankers at the XXXX XXXX Florida branch. Since it was a company car, our agreement was that it would be paid through the company. 


When my husband I separated, a banker transferred the automatic withdrawal for my car payment to my emergency fund, which I needed at the time of separation I called the bank. I received some communication back but denied making any changes. It was a very difficult time in my life and I wasn't able to file a suit and felt that the bank was so big and that I was never going to get to the bottom of it. Ultimately the car was charged off. It effected my credit and I ended up paying the charges off amount. 

I no longer have the account information but I hope it will be available to find. My name is XXXX XXXX. There were many communications that should have been documented. The account was transferred without my permission or signature in XXXX or XXXXXXXX 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 2025-05-30 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX XXXX was offering a promotion that if you opened a Checking account and met the requirements by a particular date, they were offering bonus cash. 
XXXX account was {$120.00} Another was XXXX $ And other was XXXX $ I applied and was approved and open all 3 checking accounts the same day or with 24 hours of the first one.

I met all the requirements and the deadline date, and only received one cash bonus of {$120.00} And the representative said because I was already an existing customer I dont quality for the others.

I opened them all the same day and became a customer at the same time.

When I had to call and verify my identity and get access to be able to create my login credentials for the app, the customer service representative that helped me, verified that I would be eligible to receive all XXXX cash bonuss, if I made direct deposit amount, and amount of transactions .. and I did which is why I received the first one XXXX $ on XX/XX/2025 1 account : Wells Fargo clear access banking : Account # Where i did receive bonus cash deposit on XX/XX/2025 of {$120.00} Opened in XX/XX/XXXX account : wellsfargo every day checking Account # : Opened in XX/XX/XXXX account : Wells Fargo every day checking Account # : Opened in 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Have credit karma app an was checking my score anthem offered a card pre-approved of course will not be on credit if applied an so I applied an not o ly turn me dwn was on my credit report immediately an well as you can see .an I wasn't even looking for a card this was XX/XX/year>2025 an fill I was suckered because no 1 wasn't looking for a card an no.2 it wasn't supposed to shi on my recor if applied for thank you XXXX XXXX XXXX thank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Was never warned that my account was being closed so I had to call to see what was going on. When I called they told me my account was closed but never stated why and held onto my money for an extended period of time. When money was sent it was sent to the wrong address. I then called to see how long it would take to get my money and they said it was already sent so I informed them I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 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: CO

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
digital XXXX XXXXXX/XX/XXXX never received any type of financing from this company. 
XXXX finance XX/XX/XXXX never received any type of financing from this company. 
go XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXXXXXX XXXX  of XX/XX/XXXX never received any type of financing from this company. 
XXXX car sales XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, never received any type of financing from this company. 
XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXXXX/XX/XXXX never received any type of financing from this company. 
XXXX of XXXX downtown XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XXXXXX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXXXXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XXXX XX/XX/XXXX never received any type of financing from this company. 
XXXX XX/XX/XXXX never received any type of financing from this company.

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