vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
NEGATIVE ACCOUNTS & LATE PAYMENTS TO DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} ( Past Due ) Late Payments : 5 Status : Closed Joint Issue : No recent payment history + excessive delinquency + potential FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} ( Past Due ) Late Payments : 6 Status : Closed Individual Issue : Conflicting reporting + pattern of 30120-day lates XXXX. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( x2 ) Late Payments : 2 each Status : Closed Issue : Duplicate reporting of the same loan across multiple entries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments : 2 Status : Closed Issue : Historical delinquencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX Status : Closed Balance : {$0.00} 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 Late Payments : 23 per entry Status : Closed / Duplicated across bureaus Issue : Duplicates + inconsistent data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ( Past Due ) Late Payments : 3 Status : Closed Individual XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments : XXXX Status : Closed Issue : Reporting errors, possibly duplicate entries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX Status : Current Issue : Multiple 30/60/90/120-day lates on an open account INACCURATE / DUPLICATE ENTRIES Multiple accounts appear to be duplicated across bureaus or misreported ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I

nconsistent payment histories or no payment history reported at all for delinquent accounts. HARD INQUIRIES Your report summary didnt show individual hard inquiries, but if you want those challenged too ( under 15 USC 1681b - permissible purpose ), let me know and Ill add that language. NEXT STEP I will now create customized dispute letters to XXXX, Equifax, and XXXX, citing : 15 USC 1681i Reinvestigation of Disputed Information 15 USC 1681b Permissible Purposes 15 USC 1681s-2 ( b ) Duty of Furnisher to Investigate 15 USC 1681e ( b ) Maximum Accuracy 15 USC 1681n Civil Liability for Noncompliance Metro 2 Compliance standards Each letter will : Include your full name, address, DOB, and SSN Be formatted for XXXX  submission Include an itemized dispute summary and cover sheet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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:
I got a notification about account restriction I was told by phone to file a security appeal because my application to open checking account stated I was in the military. I stated I originally opened the account inside the branch and never told the representative I was in the XXXX  but I am associated with my grandfather who is and I also work for the XXXX. My account should have not been closed based off the representative mistake. I will like to keep my business with navy federal. I filed an appeal and did not get the expected results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX regarding an incorrect debt that has been sent to collections. 

I live alone in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. I have never authorized any mobile phone purchase, nor have I ever lived at XXXX  XXXX. I moved directly from Maryland to XXXX  XXXX in XXXX. Despite this, XXXX repeatedly claims that I moved from XXXX XXXX to XXXX XXXX because it is the same address, which is not true. 

In XX/XX/year>, I ordered a $ XXXX internet service and a $ XXXX mobile line promotion. Later, I noticed unexpected charges from XXXX related to a mobile phone I never ordered or received. Upon investigation at the XXXX store, I discovered an XXXX XXXX XXXX was ordered in my name and shipped to XXXX  XXXX, not my address. The package was signed for by someone named " Washington, '' a person I do not know. 

This is clearly an error made by XXXX they sent a phone to the wrong XXXX. No one stole my identity. I live alone and have never lived with anyone else. I can provide proof through my lease agreement. 

XXXX acknowledged the fraudulent order, reversed the charges, and confirmed my balance was XXXX. However, without resolving the issue internally, they sent the incorrect debt of {$880.00} to the collection agency Credence ( reference # XXXX ), putting my credit and reputation at risk. 

I have been to the XXXX store multiple times and contacted them by phone several times, but the problem remains unresolved. Meanwhile, this collection account is active under my name, threatening to damage my credit. 

I am tired of this ongoing issue and request immediate resolution : Cancel this invalid debt immediately. 

Provide written confirmation that no negative reports will be made to any credit bureau. 

Resolve this matter without further delay. 

Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend debit account ( netspend.com ) is not sending me my {$200.00} bonus even though I fulfilled the requirements. Please assist

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting a formal complaint against LVNV Funding, LLC for multiple and ongoing violations of federal and state consumer protection laws. LVNV is reporting an alleged debt originating from XXXX XXXX in the amount of \ {$1200.00}. I have submitted formal debt validation requests starting in * * XX/XX/XXXX * *, along with multiple dispute filings to * * XXXX XXXX XXXX XXXX, and over XXXX formal complaints to the CFPB * *. 

Despite these efforts, LVNV Funding has refused to provide legally required documentation to validate the debt. They continue to report this alleged account on my credit file without producing : * A copy of the original signed agreement or contract * An itemized accounting of the debt * Proof of legal ownership or assignment from XXXX  XXXX * Documentation of charge-off status and activity dates This violates the following statutes : FDCPA 809 ( b ) Failure to provide debt validation upon written request FCRA 623 ( a ) ( 1 ) ( A ) Reporting incomplete or inaccurate information FCRA 611 ( a ) Failure to reinvestigate disputed information FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion without proper certification Texas Finance Code 392.202 * * Failure to investigate and correct false information LVNV has falsely claimed in writing that they are " not obligated '' to validate the debt, which is a willful misrepresentation of their legal responsibilities. I have experienced financial harm, credit score damage, and emotional stress due to their continued reporting of unverified debt. My most recent * * Uqual credit report * * ( XX/XX/XXXX ) confirms this tradeline remains inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting XXXX Late Payment for XX/XX/year> and XXXX  days XX/XX/year> To Whom It May Concern : I am writing to dispute inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and request an immediate investigation and correction. The following item is factually and mathematically impossible and must be removed : Disputed Item : Creditor Name : XXXX  Account Number : XXXX, XXXX, XXXX, XXXX Reported Error : A " XXXX  days late '' payment status for XX/XX/year>. 
Reason for Dispute : XX/XX/year> has only XXXX  days ( or XXXX in a leap year ). It is impossible to be XXXX  days late within a single month. 
This error suggests either a data entry mistake, a misreporting of the delinquency timeline, or an invalid reporting date. 
Legal Basis for Dispute : 1. FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to conduct a reasonable investigation of disputed items within 30 days.

2. FCRA 623 ( b ) ( 1 ) : Prohibits furnishers ( XXXX ) from reporting inaccurate 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 2025-07-27 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: NY

Complaint narrative:
On XX/XX/year> I notice my social security was use to open credit card accounts, loans, car loans.I immediately contacted the 3 credit reporting agencies and companies.I realize that my info was leaked in a breach caused by equifax, transition and Experian.I made a police report and forwarded it along with ftc report to companies and 3 credit report.But they kept ignoring me.This has cause my self and family pain.I am unable to open up a bank account or do anything with my credit because my identity was stolen.

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 2025-07-27 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: NY

Complaint narrative:
On XX/XX/year> I notice my social security was use to open credit card accounts, loans, car loans.I immediately contacted the 3 credit reporting agencies and companies.I realize that my info was leaked in a breach caused by equifax, transition and Experian.I made a police report and forwarded it along with ftc report to companies and 3 credit report.But they kept ignoring me.This has cause my self and family pain.I am unable to open up a bank account or do anything with my credit because my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Two loans were fraudulently opened in my name without my knowledge or consent. I did not authorize these accounts and have no affiliation with the lenders. I discovered the fraudulent activity in XX/XX/year>2025 after reviewing my credit report. I have since filed an identity theft report and am taking steps to protect my information. I am formally requesting that these unauthorized accounts be removed from my credit report and that all related inquiries and negative information be deleted.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Two loans were fraudulently opened in my name without my knowledge or consent. I did not authorize these accounts and have no affiliation with the lenders. I discovered the fraudulent activity in XX/XX/year>2025 after reviewing my credit report. I have since filed an identity theft report and am taking steps to protect my information. I am formally requesting that these unauthorized accounts be removed from my credit report and that all related inquiries and negative information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
After reviewing my credit report XXXX XXXX is illegally reporting inaccurate information on my credit report which goes against the FCRA laws they have XXXX different dates and XXXX different amounts but they sold the account but actively it shows on my report so I finally made contact with the company who got the account to attempt to make this right and I was made to pay a dollar they pulled up my report and told me that upgrade violated the FCRA law but yet no agreement about the account they have sued me for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
On XX/XX/year> I notice my social security was use to open credit card accounts, loans, car loans.I immediately contacted the 3 credit reporting agencies and companies.I realize that my info was leaked in a breach caused by equifax, transition and Experian.I made a police report and forwarded it along with ftc report to companies and 3 credit report.But they kept ignoring me.This has cause my self and family pain.I am unable to open up a bank account or do anything with my credit because my identity was stolen.

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Subject : Re : Continued Reporting of Inaccurate and Unverified Information Affirm Accounts To Whom It May Concern, I am writing in response to your XX/XX/year> reply concerning my dispute of the Affirm accounts being reported to the credit bureaus. While I appreciate your acknowledgment, your response fails to address the specific violations of XXXX XXXX compliance standards and your obligations under the Fair Credit Reporting Act ( FCRA ). Under FCRA XXXX XXXX XXXX ( b ), data furnishers are required to conduct a reasonable investigation upon receiving a dispute from a credit reporting agency or the consumer. A general assertion of accurate reporting is insufficientespecially without furnishing verifiable documentation supporting the entire lifecycle of each loan, including : Payment history validation per XXXX XXXX format fields ( e.g., Account Status, Payment Rating, Date of First Delinquency, Compliance Condition Code ) Clear evidence of internal investigation procedures Proof that the reported information meets XXXX XXXX guidelines for charged-off accounts and accounts transferred or sold to debt XXXX I requested deletion due to multiple compliance deficiencies, including : XXXX. Failure to update the Date of First Delinquency in accordance with the XXXX XXXX guidelines. XXXX. Continuing to report accounts as charged off while simultaneously assigning/selling them to third-party XXXX, a violation of Metro XXXX policy regarding XXXX debt reporting ( especially if the third-party is also reporting ). XXXX. Inability or refusal to verify each field being reported, including ECOA code, Special Comment Codes, and Account XXXX. As the furnisher, you are responsible for ensuring every data point you report is factually accurate, verifiable, and compliant with XXXX XXXX standards. Your boilerplate denial fails to satisfy this requirement and constitutes willful noncompliance with the FCRA and applicable federal regulations. Accordingly, I am renewing my demand for : Immediate deletion of the disputed Affirm accounts from all credit reporting agencies Written confirmation that the accounts have been deleted Or, in the alternative, a detailed, field-by-field Metro XXXX XXXX XXXX and method of verification If this matter is not resolved within XXXX XXXX, I will file formal complaints with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX the FTC, and my XXXX attorney general, and will pursue further remedies as permitted by law. This communication serves as formal notice under the FCRA and XXXX XXXX compliance protocols. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally express my deep concern and disappointment with how Chase handled the closure of my account and the forfeiture of my Chase Ultimate Rewards points.

Chase closed my account without any direct notice via email or postal mail. I was later told by customer service that a notice was posted in the Notices and Letters section of the online portal, hidden behind six clicks a section most customers do not regularly check. Because I had opted for paperless statements ( to reduce waste and clutter ), Chase seems to have interpreted that as sufficient to bury the account closure notice in a hard-to-access location, rather than informing me proactively.

As a result, I lost over XXXX Chase points, which carry a minimum cash value of {$1400.00} and potentially much more if redeemed for travel. These points have real financial value, especially during a time of economic uncertainty and high inflation. 

I find Chases actions : Sneaky, by hiding an account closure notice without reasonable notification, Immoral, by forfeiting rewards without allowing a reasonable window to redeem, Exploitative, by designing systems that work against clients not for them. 

Chases failure to send any explicit, direct communication ( email, XXXX, or postal letter ) shows a disregard for transparency and customer trust. Clients expect fair treatment not a trap door that allows Chase to wipe away earned financial value via technicalities and fine print hidden under layers of obscure menus.

Closing an account and seizing thousands of dollars worth of rewards without meaningful notification is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
my personal information was involved in a data breach, please remove all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Information under FCRA Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and unauthorized information being reported on my TransUnion credit report. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that the information you report must be accurate and verifiable. 
The following personal information is incorrect and must be removed immediately : - Incorrect Names : " XXXX, XXXX, XXXX '' - Employment Information : " XXXX XXXX '' and " INTERSTATE WASTE SERVICES '' Additionally, I am disputing the following XXXX unauthorized inquiries which I did not initiate nor authorize. 
These inquiries are fraudulent and must be removed : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX These inaccuracies are negatively affecting my credit profile. Please investigate and delete this erroneous information from my credit report immediately. I request a corrected copy of my report reflecting these changes be mailed to me once the investigation is complete. 
If you need any additional documentation or have questions, I can be reached by mail at the address listed above. 
Sincerely, 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