vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A check was deposited into my Navy Federal account in the amount of {$14000.00} on XX/XX/year>. A hold was placed on the funds and the funds have yet to be released as of XX/XX/year>. The check has been paid and a copy of the case ID number from the issuing back was provided along with proof that it was a legitimate balance transfer. No action has been taken to release the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: WA

Complaint narrative:
I have requested many times the FCRA Section 609 ( a ) ( 1 ) ( A ) mandated physical verification of the original signed consumer contracts listed in the attachment as required by federal law. I have not received these documents, and the derogatory items have not been removed from my credit report. 

Equifax has requested another copy of my drivers license and a copy of my social security card to move forward as they admit they are " unable to locate a credit file in our database ''. Therefore, they are requiring the above listed documentation to ensure my identification. They have had this information submitted before and should already have a copy. I have again provided Equifax with this information and hopefully continued stall tactics will cease and they will remove the contested derogatory entries from my credit report. 

Equifax has also requested the original documents to accompany the identification " requirements '' to move ahead. They obviously already have the original documents which were filed with the CFPB on XXXX pre-empted by the originals being sent via US Mail on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Collections is reporting an {$8500.00} collection account on my TransUnion credit report for a rental property I never lived at and have no connection to. This is a clear case of mistaken or fraudulent reporting. I never signed a lease, lived at, or owed any balance to this company. This violates the FCRA ( 15 U.S.C. 1681e ( b ) ) and FDCPA ( 15 U.S.C. 1692g ), as the account is inaccurate and unverified. I request immediate deletion and investigation into how this false information was reported.

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 2025-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
This letter constitutes formal notice that your [ describe wrongful act : e.g., unauthorized use/distribution of my copyrighted work/harassing phone calls/unauthorized use of my trademark/false statements about me ] directed at me and/or my business must stop immediately. Facts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Accounts to be deleted and removed from my consumers report. Rent and utilities XXXX, Reported : XXXX. XXXX, XXXX {$180.00} XXXX Reported : XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$260.00} Needs Attention + XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$230.00} Needs Attention + XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$3200.00} Needs Attention + XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1100.00} Needs Attention These account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

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 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was sent a visa credit card did not apply for one. I had a instore card and that was all I wanted, Could not cancel it unless l closed my account, so l did. I have purchase many things with it, over thousand of dollars in purchases, this was not right for this to happen. I guess I will not be buying here anymore, thanks alot for the hoildays are coming and can't buy here anymore. hope you guys stay in business, but I don't see that happening, I am reporting this. I have been a loyal customer for XXXX. Why did this happen?

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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I purchased a used vehicle on DATE and financed it through Westlake. The dealership failed to submit the title to the XXXX  DMV within the required legal timeframe. The XXXX DMV confirmed a violation of VA Code 46.2-1542 ( B ) and referred the case to DMV Law Enforcement .

Because the dealer did not submit the title, I experienced difficulty accessing and verifying my loan account and I am concerned about the potential impact on my payment and credit history through no fault of my own. My first
payment is due on XXXX and I want to ensure my account remains in good standing.

I contacted Westlake for assistance and to request confirmation that my account would not be negatively affected, but I have not received a full resolution yet.

I am fully willing to make all required payments. I am requesting CFPB assistance to ensure my account is protected during this title compliance issue caused by the dealer, and that no late fees, account issues, or negative credit reporting occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
Dear Sir or Madam : I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. Please block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. 

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 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 2025-11-03 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: MI

Complaint narrative:
Dear Sir or Madam : I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. Please block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2025

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
I must emphasize that unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries persist. This inaction is completely unacceptable. The ongoing presence of these potentially fraudulent entries strongly indicates possible identity theft and is causing severe emotional and financial harm.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
A person sent me an email and it was a scam, My friend did not send this as it was a scam and he is a POW name is XXXX XXXX. He did not send it. Another person got into my account on Capital one and added a XXXX account and set up a {$5000.00} CHECK payment to themselves which i cancelled. They also called me with XXXX codes. The scammer has this phone number XXXX. This person also texted me and called me. Please check this out. I think it is from XXXX but the check was to got to XXXX XXXX XXXX. The date for this was XX/XX/year>. Help! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
They failed to provide the method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a follow-up to my previous complaint XXXX. Wells Fargo Bank. NA response failed to address the legal violations outlined in my original complaint. I am re-filing to demand substantive answers. 
The bank 's attempt to reframe a three-year debt validation dispute as a {$55.00} overdraft fee issue constitutes bad faith and demonstrates a pattern of avoiding substantive legal 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 2025-11-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have called and mailed RoundPoint, but they have not acknowledged the proof of insurance that I sent the mortgage company. They continue to threaten to buy me home owner 's insurance despite my having already purchased the insurance. There is no reason to have two homeowner 's insurance policies just because Roundpoint has difficulty processing their mail or answering the ticket that was generated when I called.

Any assistance with requesting a response from Roundpoint to the proof of insurance I have already provided would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I noticed a charge of {$480.00} attributed to " XXXX '' with no other details on my Apple Card account, which is administered by Goldman Sachs. I have no other accounts with XXXX, other than a gmail account, which is free. I did a search of similar charges attributable to " XXXX '' and discovered XXXX charges from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$4.00} each. However, the domain name address for those charges from XXXX had the suffix of XXXX XXXX XXXX XXXX. '' The suffix struck me as probably fraudulent. 

I sent a letter to XXXX on XXXX XX/XX/XXXX laying out the problem. I never received a response. 

I complained to XXXX XXXX XXXX XX/XX/XXXX. Later in the month, they sent me an email stating that the charges were valid. I called them on the phone and indicated that they should send me a written explanation of why the charges were valid. They did not. Instead, on XXXX XX/XX/XXXX, they indicated that they had 'investigated '' and determined that the charges were justified. 

If the charges are justified, I would like an explanation of what they were for, as I have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
This letter constitutes formal notice that your [ describe wrongful act : e.g., unauthorized use/distribution of my copyrighted work/harassing phone calls/unauthorized use of my trademark/false statements about me ] directed at me and/or my business must stop immediately. Facts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Company : MOHELA Issue : Unexplained {$2000.00} Increase in Student Loan Balance Complaint : I am submitting this complaint regarding an unexplained {$2000.00} increase in my federal student loan balance.

Timeline of Events : XXXXXXXX XXXX XXXX  : Noticed the increase and sent my first email requesting a detailed, account-specific explanation, including interest breakdown, capitalization dates, and any relation to forbearance, administrative adjustments, or the SAVE plan. 
XXXX XXXX, XXXX  : Follow-up email sent due to no response. 
XXXX XXXX, XXXX  : MOHELA responded with a generic explanation about interest rules and provided payment history, not addressing my questions. 
After XX/XX/year> : Followed up ; MOHELA claimed I had a phone call on XX/XX/year> which did not occur. 
-Today, XX/XX/year> : Sent a final email clarifying no phone contact occurred, and questions from XX/XX/XXXX remain unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Paid Capital One {$1500.00} after the repossession. 
I was not notified the vehicle would be sold, and I was not given the right to redeem the vehicle. 
After they sold the vehicle, they continued to change the balance owed one notice shows a {$2200.00} settlement offer, and another shows {$4400.00} for the same account and vehicle. 
I never received a 1099-C for debt cancellation, which is required when a lender forgives {$600.00} or more of debt. 
The account is still reported as an active collection or charged-off balance on my credit report. 

False or misleading representations ( 15 U.S.C. 1692e ) Changing the balance owed multiple times without explanation.

Attempting to collect on a debt after the collateral ( your vehicle ) was already sold.

Unfair or unconscionable means ( 15 U.S.C. 1692f ) Collecting amounts not authorized by agreement or law. 
Failing to give you proper notice of sale after repossession. 

C. Uniform Commercial Code ( UCC 9-611, 9-614 ) Under the UCC ( adopted in Texas ) : A lender must send written notice of your right to redeem the vehicle before sale.

A post-sale accounting must be provided showing how the sale proceeds were applied and what balance ( if any ) remains.

Failure to do so can make the sale commercially unreasonable and may forfeit their right to a deficiency balance. 
( which they failed to do ) If they forgave $ 600+ of the balance, Capital One is legally required to issue a Form 1099-C under IRS regulations ( 26 U.S.C. 6050P ). 
Not issuing this form while simultaneously reporting a charged-off account can constitute false reporting to both the IRS and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
LexisNexis is reporting a XXXX  XXXX bankruptcy that the XXXX Bankruptcy XXXX for Arizona confirms they do not report, verify, or furnish. Because LexisNexis can not verify this record with the original source, it is an unverifiable and inaccurate entry in violation of FCRA 607 ( b ) and 611. I demand permanent deletion and written confirmation. Supporting evidence and correspondence are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXX -- Balance : {$6100.00} - Date Opened : XX/XX/year>

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