vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This company hasn't reported my last two payments in the last two months, so it shows an incorrect balance in the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 am submitting a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no XXXX  Form XXXX has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to XXXX  regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form XXXX to both the consumer and the XXXX. 
Please remove the following Chargeoff Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
I am submitting a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no XXXX  Form XXXX has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to XXXX  regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form XXXX to both the consumer and the XXXX. 
Please remove the following Chargeoff Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FINAL NOTICE BEFORE LEGAL ACTION UNVERIFIABLE ACCOUNT REPORTING Disputed Account : XX/XX/XXXX Account # XXXX Experian Report # XXXX This letter serves as a formal pre-suit notice to both Experian and XXXX XX/XX/XXXX, regarding the continued reporting of a disputed and unverifiable account that remains on my Experian credit report in violation of federal law. 

Despite multiple disputes and submission of documentary evidence proving that the XX/XX/XXXX account is either inaccurate, unverifiable, or not mine, Experian continues to report this account, while XX/XX/XXXXand XX/XX/XXXXhave already deleted it from my credit file. 

Violations Committed Your ongoing reporting and failure to act is in direct violation of multiple sections of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ) : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days of dispute. 
FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to remove inaccurate or unverifiable information after investigation. 
FCRA 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 
FCRA 15 U.S.C. 1681c ( a ) ( 4 ) : Potentially reporting outdated or inaccurate data. 
FDCPA 15 U.S.C. 1692e : XXXX XX/XX/XXXXmay be in violation by continuing to report or attempt collection on a debt that is either inaccurate or not legally owed. 
Timeline and Current Status Date opened : XX/XX/XXXX Status on Experian : Charged off. {$3200.00} written off and listed as past due as of XX/XX/XXXX. 
Time elapsed since last dispute : Over 30 days. 
XX/XX/XXXXand XX/XX/XXXX: This account has already been deleted from both reports. 
Experian : Refuses to remove despite documentation and previous disputes. 
Demand for Immediate Action You are hereby placed on notice to delete the XX/XX/XXXX account from my Experian credit report within XXXX calendar days of the date of this letter. 
Failure to comply will result in the immediate filing of a lawsuit in federal court seeking : Statutory damages under 15 U.S.C. 1681n ( willful violations of the FCRA ) Actual damages under 15 U.S.C. 1681o Punitive damages

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: KY

Complaint narrative:
XX/XX/year> I opened a checking account with netspend and applied the {$200.00} Checking Bonus for direct depositing {$400.00} into the account within 60 days. XX/XX/year> {$400.00} direct deposit from my employer was deposited into the checking account. Reached out to customer support on XX/XX/year> and XX/XX/year> with both instances of them telling me to wait til 5 business days. 5 business days completed on XX/XX/year>. {$200.00} bonus has not been received from Netspend.

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 2025-08-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXXXXXX 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 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed.

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 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
I went to XXXX  I signed up for a discount vacation membership. I did not get access to the program, supposed to send the information to me, I was never able to access the program I told them, and they still never delivered, they harassed me for months, so I had to change my phone number. 
The company failed to deliver the product, so I told them I was not going to pay and reversed the charges. It should have been an easy fix, but they refused to do that and put this charge plus tons of extra charges on my credit report. 
They breached the contract not me so they are in the wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am submitting a formal follow up complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership. 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

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 2025-08-07 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: MA

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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Westlake Services, LLC
State: CO

Complaint narrative:
The problems listed in the CFRB portal do not really represent this situation. It was difficult to select answers that were a best match. 
After making a complaint with Westlake Portfolio Management for not properly informing me that my auto loan has been transferred to them, I received a debt collection letter. The original loan was at XXXXXXXX XXXX, and I only found out about WPS when I called to make a payment. XXXX had a default recording stating that auto loans have been transferred to another lender and listed the number. That same day, I called WPS, and the agent rudely argued that letters were sent, and every customer received them. I had not, and I didnt appreciate the implication. A month later, on XX/XX/XXXX, I received a debt collection letter asking for a response by XX/XX/XXXX. I sent the attached settlement offer on XX/XX/XXXX, detailing the amount of money put into the car, repair-wise and that the car is no longer worth $ XXXX especially with all the mechanical issues. I shared the XXXX value of the car in its current condition and it is worth between {$2700.00} - {$4500.00}. I offered a {$5000.00} settlement with eleven months of payments of {$420.00}. On XX/XX/XXXX, I received an automated email ( attached ) stating that my case had been closed. This is without any communication. 
Since then, Ive called three different times, requesting to speak with a manager. Each time, Ive been told they are reviewing my offer and there is no one available to speak with me. My last communique was on XX/XX/XXXX ( attached ). I outlined the issues Ive had, the value of the car, mileage and included the most recent receipts as Ive had to put this car in the shop every year Ive had it. Im ok with surrendering the car, but it will have the following issues : Over XXXX miles Severely cracked windshield that cant be replaced without the wiper mechanism being replaced Radiator/cooling system has been repaired twice. ( has started reheating again ) Heat/AC does not work Heated/AC seats no longer functioning Safety signals sound is out ( turn signal, alerts when to close to objects ) Left taillight blinker continues to go out after replacing bulb frequently Leak in exhaust pipe Passenger door damaged Tire sensors not functioning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXXXXXX 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 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information Under 15 USC 1681e ( b ) and 15 USC 1681i I am entitled to an accurate credit report I am requesting a review of these entries and if they can not be verified as accurate they should be 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 2025-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union for their repeated and egregious mishandling of a clear and well-documented case of fraud on my account. I promptly reported multiple unauthorized transactions and submitted all required supporting documentation, including a police report and an FTC identity theft affidavit, in full compliance with Navy Federals dispute and appeals procedures. 

Despite their stated policy to respond within XXXX business days, it has now been over a month since my first appeal, and I have not received any written response or status update. The only way I discovered my fraud case had been closed was by calling Navy Federal multiple times. At no point was I officially notified of the denial in writing, nor was I provided with a valid justification or clear explanation. This is a direct violation of Navy Federals own internal policies and a likely violation of consumer protections under the Electronic Fund Transfer Act ( Regulation E ).

Navy Federal is directly at fault for allowing a fraudster to gain unauthorized access to my account. Without my knowledge or consent, someone changed both the phone number and mailing address associated with my account. Navy Federal never notified me of these critical changes, which enabled the fraudster to easily take over my account, drain my savings and checking accounts of more than {$14000.00}, and open a credit card in my name. This represents a serious failure of security and internal controls on their part.

Navy Federal has failed me multiple times, making it easy for the fraudster to access and exploit my private financial information. Despite multiple appeals and requests for support, Navy Federal has continued to ignore my case. They decline to meet with me in person at their branches, offer no written communication, and repeatedly promise assistance over the phone. They then close the case with no response or resolution. 

This has been an extremely frustrating and distressing experience. I believe Navy Federals negligence, failure to protect my personal and financial information, and refusal to honor their responsibilities under Regulation E represent a clear violation of my consumer rights and financial privacy.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) urgently investigate Navy Federals mishandling of my fraud claim, their failure to communicate as required by law, and their lack of accountability in protecting members from identity theft and financial harm. Supporting documentation, including appeal letters, denial notices, and identity theft reports, is available upon request.

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 2025-08-07 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: NJ

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 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 2025-08-07 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: FL

Complaint narrative:
After checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC report. I confirm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Inquiries : 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 XXXXXXXX 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

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