vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Subject : CFPB Complaint Notice [ Navy Federal Credit Union/Dispute I am writing to formally appeal against the recent decision regarding my disputed charge of {$1500.00} with XXXXXXXX XXXX XXXX Your response claims the fee was disclosed as non-refundable, yet I have not been provided with any documented proof of such disclosure, including : XXXX. A signed purchase agreement explicitly stating the non-refundable policy. 
2. Written acknowledgment from XXXX XXXX XXXX confirming my agreement to these terms at the time of purchase. 

Key Facts : - I never signed a purchase contract or any binding agreement with the dealership. 
- No written terms regarding the deposits non-refundability were provided to me. 
- Under Virginia law, deposits are presumed refundable unless a signed agreement states otherwise.

Regulation E Violation & Failure to Defend Under Regulation E and my cardholder agreement, the Navy Federal is obligated to conduct a fair investigation and require the merchant to provide valid proof of consent. The lack of a signed agreement or clear disclosure means this dispute should have been resolved in my favor.

Immediate Requests : 1. Reopen & Reverse the Dispute Provide a copy of any signed agreement from XXXX XXXX XXXX or rule in my favor due to lack of evidence. 
XXXX. Penalty for Non-Compliance If Navy Federal has fails to correct this error, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and request that they : - Investigate Navy Federals failure to properly defend my dispute.

- Impose a {$20000.00} penalty for violating federal consumer protection laws.

Next Steps I expect a written response within 10 business days confirming : - The dispute has been address.

- Navy Federals corrective action plan. 

I have not received a satisfactory resolution, I am escalating this matter to the CFPB, Virginia Attorney General, and any other relevant regulatory agencies. 

Sincerely, XXXX XXXX XXXX Towne XXXX XXXX XXXX, MD XXXX

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 2025-06-02 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX XXXX multiple inaccuracies reporting on my credit file that do not belong to me, i ask for immediate removal of these accounts please.

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 2025-06-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern : I am filing this formal dispute and request for investigation through the Consumer Financial Protection Bureau regarding inaccurate and harmful reporting of late payments on a loan account that is now closed. 

The loan in question, which was paid and closed in good standing, is still being reported with derogatory late payment entries on my credit report. I respectfully assert that the continued reporting of these late payments violates the principles of accurate, fair, and substantiated credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically : The account is no longer open, and the loan obligation has been fulfilled. 

The derogatory information continues to damage my credit profile, though it serves no ongoing risk assessment purpose, particularly as the account is closed. 

In many cases, creditors voluntarily agree to remove late payment remarks on paid and closed accounts to provide relief and accuracy in the reporting systemespecially when the consumer has demonstrated resolution of the debt. 

I am requesting that the creditor and credit reporting agencies remove all late payment remarks from this closed loan account. This request is made in good faith and in alignment with the FCRA 's intent to ensure that consumer reports are fair, accurate, and reflect current account statuses. 

Please investigate this matter thoroughly and take any necessary corrective action, including removing the derogatory remarks from all three major credit bureaus. 

If further documentation is required, I am willing to provide any additional information or statements needed to assist your investigation. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-06-02 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: GA

Complaint narrative:
I am formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

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 2025-06-02 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern : I am filing this formal dispute and request for investigation through the Consumer Financial Protection Bureau regarding inaccurate and harmful reporting of late payments on a loan account that is now closed. 

The loan in question, which was paid and closed in good standing, is still being reported with derogatory late payment entries on my credit report. I respectfully assert that the continued reporting of these late payments violates the principles of accurate, fair, and substantiated credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specifically : The account is no longer open, and the loan obligation has been fulfilled.

The derogatory information continues to damage my credit profile, though it serves no ongoing risk assessment purpose, particularly as the account is closed.

In many cases, creditors voluntarily agree to remove late payment remarks on paid and closed accounts to provide relief and accuracy in the reporting systemespecially when the consumer has demonstrated resolution of the debt. 

I am requesting that the creditor and credit reporting agencies remove all late payment remarks from this closed loan account. This request is made in good faith and in alignment with the FCRA 's intent to ensure that consumer reports are fair, accurate, and reflect current account statuses. 

Please investigate this matter thoroughly and take any necessary corrective action, including removing the derogatory remarks from all three major credit bureaus. 

If further documentation is required, I am willing to provide any additional information or statements needed to assist your investigation. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To Whom It XXXX Concern : I am filing this formal dispute and request for investigation through the Consumer Financial Protection Bureau regarding inaccurate and harmful reporting of late payments on a loan account that is now closed. 

The loan in question, which was paid and closed in good standing, is still being reported with derogatory late payment entries on my credit report. I respectfully assert that the continued reporting of these late payments violates the principles of accurate, fair, and substantiated credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specifically : The account is no longer open, and the loan obligation has been fulfilled.

The derogatory information continues to damage my credit profile, though it serves no ongoing risk assessment purpose, particularly as the account is closed.

In many cases, creditors voluntarily agree to remove late payment remarks on paid and closed accounts to provide relief and accuracy in the reporting systemespecially when the consumer has demonstrated resolution of the debt.

I am requesting that the creditor and credit reporting agencies remove all late payment remarks from this closed loan account. This request is made in good faith and in alignment with the FCRA 's intent to ensure that consumer reports are fair, accurate, and reflect current account statuses.

Please investigate this matter thoroughly and take any necessary corrective action, including removing the derogatory remarks from all three major credit bureaus.

If further documentation is required, I am willing to provide any additional information or statements needed to assist your investigation.

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: IA

Complaint narrative:
I paid a debt to XXXX XXXX in Texas about XXXX XXXX ago the original debt was for {$520.00}. For a medical debt that was sold to collections. 
From a XXXX visit. I made a settlement Payment with XXXX XXXX  debt XXXX it was for $ XXXX that me and XXXX XXXX  agreed to. i had paid in full as a goodwill deduction. This same debt has been reissued again and they will not remove it. From a different debt collector for {$520.00} again. Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : 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
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
TransUnion is reporting a collection from XXXX XXXX XXXX FOR AMOUNT {$460.00} I have gotten documentation from XXXX XXXX XXXX stating that i have {$0.00} BALANCE ... XXXX has also reported this to transunion on XX/XX/XXXX and XX/XX/year> that the collection should be removed. Transunion have not updated account information since XX/XX/XXXX XXXX which is in violation of proper and timely reporting.

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 2025-06-02 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my 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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
When I built my house, I shopped around and found a bank I was happy working with, and they helped me get my mortgage. Everything was going well until they sold my mortgage to Planet Home Lending, a company with much lower reviews and ratings with the XXXX  and others. It is bad enough I never would have chosen to do business with them, but am forced to now. They immediately decided they didn't like my escrow, and to get it up, raised my mortgage payment OVER 25 %!!! Then, a few months later, my home insurance came up for renewal and they failed to pay it, leading to me receiving a cancellation letter from my insurance. This is embarrassing as I have never been late on a payment to them, and also dangerous. The lady on the phone said I should have told my insurance my loan had a new holder, but I didn't choose to switch! I showed a bit of frustration and then she quickly said she'd take care of it, proving they have the ability to pay my insurance from escrow without me doing anything, and simply chose not to. I am beyond frustrated that a horrible company is able to buy my loan from a good company and cause me all this headache. When I inevitably get a huge escrow check back at the end of the year, I hope it's with interest! I feel like they are milking me for interest free liquidity in an evil way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Good day, My complain is about XXXX XXXX, they have charge me for insurance, even after I send XXXX copy of my up to date insurance policy, from I bought this house in XXXX their insurance drop me right before storm comes, send me back some money, I dont beleive they havd any insurance on my home. 

XXXX XXXX is going back in the past as far as XXXX, looking for gaps in my insurance to charge me tripple the price, due to the fact that when XXXX insurance company depopulate your policy, XXXX days before a major hurricane, the mortgage company know you are been depopulated, and they wait, because they dont want the responsibility fall on their sholders during the hurricane, they wait untill the season is over, they tell you, they have to go back in the past and put an expencive insurance on your property, you cant make any claims, since the time have past, but you have to pay, or they will take it from your escrow, redo your escrow, raise you motgage by almost {$600.00} more per month, when you try to find out why, you get, somebody just saying they accept visa, master card or you bank account, they have no idea whats going on, they just there to collect whats on their screen. 

Even after I sent them my insurance document to different department at XXXX  they still charge me, I was told if I dont pay, foreclouser would begin, because of default, thats confusing, so they make a mistake, they find out, but I still had to pay or loose my home, I had to get a full inspection ( {$500.00} ) on my home, its like Im buying a new home, all over again., Its not easy paying all your bills ontime everytime, only to see you been penalize for been depopulated, Im not going to take on something I cant manage, Im not stupid, but XXXX  treats you like you are lacking, they invest your escrow every year, you dont get any intrest, but every year you are short, what i have taken from all this experience, is that, even if you do all the right things, you are the one they try to break down.

I have never missed a payment in five years, I dont want a new loan, refinance, Im in a home already, and its like they want to corner me in refinancing or get a better rate, From they got hack, things change, letters, phone calls, emails more than I want, its become a nuisance, wish they could stop. my child is XXXX, with serious issues, I dont get any help, but I really dont complain, all Im trying to do is give him a good home, I understand, they sold my mortgage, totally understand, they want a new loan, so they can sell it again, I get their game, and I dont like it, I can see right through them.

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 2025-06-02 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Application for credit card was done by someone other than myself. I had no knowledge of this application being completed or submitted. A hard pull was done to my credit thus lowering my score.

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 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief