vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about recent reviews of my consumer credit reports, I discovered several credit inquiries that I do not recognize and did not authorize. These inquiries appear to have been placed on my credit file without my knowledge or consent. I did not apply for credit, services, or any form of authorization that would permit these companies to access my credit report. Because of this, these inquiries appear to be unauthorized and may constitute impermissible access to my consumer report. After discovering these inquiries, I reviewed my credit reports and began the process of disputing the unauthorized activity. These inquiries may negatively impact my credit profile and should not be present if they were made without a permissible purpose. Under the Fair Credit Reporting Act ( FCRA ), a company must have a valid permissible purpose or written authorization before accessing a consumers credit report. At this time, I have not been provided with any documentation showing that such authorization exists. I am requesting that the companies involved investigate these inquiries and provide proof of a permissible purpose or written authorization for accessing my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Nav Technologies, Inc.
State: FL

Complaint narrative:
This issue has been ongoing since XX/XX/year>. I initially notified XXXX XXXX that an ACH transfer associated with my Nav Business Checking account appeared to be missing. Since that time, I have been attempting to obtain the XXXX trace numbers and documentation necessary to track and verify the transfer. Recently my Nav account showed an available balance of approximately {$500000.00} and multiple transfers were scheduled to XXXX XXXX ( account ending XXXX ) in amounts including {$50000.00} and {$100000.00} scheduled for XX/XX/year>. After these transfers processed, my balance dropped to {$0.00} and XXXX XXXX confirmed that the funds were received. However, Nav has not provided XXXX trace numbers, batch identifiers, or detailed transaction documentation for these transfers. Without this information, I can not properly verify or reconcile the movement of funds through the XXXX network. Additionally, Nav requested that I provide a bank statement from an account that has already been closed. Because the account is closed, obtaining statements has been difficult and this request has delayed the ability to resolve the transaction issue. The necessary XXXX transaction information should already exist within Navs records as the originating financial service provider. Given the amount of funds involved and the length of time this issue has been ongoing since XX/XX/year>, I am requesting that Nav provide complete ACH documentation for all transfers associated with my account, including XXXX trace numbers, batch IDs, processing timestamps, and full transaction records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a watch and band from XXXX. The charge of {$1400.00} was posted to my Discover credit card. After receiving the merchandise, I decided to return it. XXXX provided me with an official XXXX XXXX return label, which I used to send the watch and band back to the merchant. The return package was shipped using XXXX tracking number XXXX. According to XXXX XXXX XXXX, the package was : Delivered XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX return facility ) Signed for by : XXXX In XX/XX/XXXX, I also received an email from XXXX confirming that they received the returned watch and band. Despite confirming receipt of the returned merchandise, XXXX refused to issue a refund, stating that the watch had been paired. However, the watch and band were already returned to them using the return label they provided. As a result, XXXX kept the merchandise and did not return it to me, and they also did not issue a refund. I currently do not have the watch or the band, and I did not receive my money back. Because the merchant did not process the refund, I filed a billing dispute with Discover Bank regarding the {$1400.00} charge ( Case # XXXX ). During the dispute process, I provided documentation showing that : XXXX issued the XXXX return label used for the return. The package was successfully delivered to XXXX return facility on XX/XX/XXXX. XXXX confirmed by email that they received the returned merchandise. Despite this evidence, Discover denied the dispute and upheld the charge. It appears that Discover did not properly evaluate the return documentation or the merchants written confirmation of receipt. As a result, the charge remains on my account even though the merchandise was returned to the merchant and is no longer in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I tried to get into the student loan forgiveness program, but at that present time I couldn't. I wasn't working because of an history of health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC
State: MO

Complaint narrative:
This is a collection company hired by XXXX. They are both dba NATIONWIDE CAPITAL SERVICES LLC and STRUCTURED SETTLEMENT XXXX. This company is refusing to remove an account that was proven by law enforcement and XXXX XXXX XXXX to be fraudulent. XXXX was ordered to remove this account from my credit seven years ago. Now they've contracted this third party to try to collect on a proven FRAUDULENT ACCOUNT that's been reintroduced onto my credit. The company identifies themselves as both Structured Settlement XXXX and Nationwide Capital Services LLC. They do not identify themselves as a debt collector, nor do they read the required debt collector statement. They fail to identify whether a call is being recorded and state things they have seen on a my credit report that they are not authorized to view. They say things like, you've paid other people lately ( Proceeds to identify those companies, balances, and payments that are currently reporting on my credit ) and say regardless of you claiming this was fraud, that's not what we show so we're gon na report this on all three credit agencies. I've received no mail, email, calls, or messages before waking up to my credit being tanked by XXXX points for a XXXX year old fraudulent account that was handled and removed from their client XXXX back in XXXX thru XXXX. XXXX XXXX Police Department, CFPB, XXXX, XXXX XXXX XXXX, XXXX, and lawyers were involved in this case to get it removed back in that time.

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 2026-03-15 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete reporting of my federal student loan accounts by Equifax, Experian , and TransUnion. My credit reports currently show an average age of accounts of approximately 8 months, which is materially inaccurate and does not reflect my actual credit history. I have seven federal student loan accounts reported under the Department of Education that were opened between XXXX and XXXX. These accounts represent over 1012 years of credit history and should be reflected in the calculation of my credit profile. These loans were legally discharged due to my XXXX rating through the Department of Veterans Affairs, and all balances were brought to {$0.00} with the accounts closed on XX/XX/XXXX. The accounts include the following : Department of Education Accounts XXXX. Opened XX/XX/XXXX Highest balance {$2500.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1000.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1700.00} Closed XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX balance {$1000.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1700.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1700.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$3000.00} Closed XX/XX/XXXX All of these accounts show : {$0.00} reported balance XXXX late payments Closed accounts with satisfied obligations Despite this, the credit reporting agencies are not properly reflecting the full historical age of these accounts, and my credit file incorrectly reflects an average credit age of only 8 months. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer credit reports. 15 U.S.C. 1681i requires credit reporting agencies to conduct a reasonable reinvestigation when information is disputed and correct any inaccurate or incomplete information. By failing to properly include the full history of these Department of Education accounts, the credit reporting agencies are maintaining a credit report that does not accurately reflect my credit history. This inaccurate reporting materially impacts my creditworthiness and 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 explanation
Consumer complaint received 2026-03-15 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete reporting of my federal student loan accounts by Equifax, Experian , and TransUnion. My credit reports currently show an average age of accounts of approximately 8 months, which is materially inaccurate and does not reflect my actual credit history. I have seven federal student loan accounts reported under the Department of Education that were opened between XXXX and XXXX. These accounts represent over 1012 years of credit history and should be reflected in the calculation of my credit profile. These loans were legally discharged due to my XXXX rating through the Department of Veterans Affairs, and all balances were brought to {$0.00} with the accounts closed on XX/XX/XXXX. The accounts include the following : Department of Education Accounts XXXX. Opened XX/XX/XXXX Highest balance {$2500.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1000.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1700.00} Closed XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX balance {$1000.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1700.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1700.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$3000.00} Closed XX/XX/XXXX All of these accounts show : {$0.00} reported balance XXXX late payments Closed accounts with satisfied obligations Despite this, the credit reporting agencies are not properly reflecting the full historical age of these accounts, and my credit file incorrectly reflects an average credit age of only 8 months. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer credit reports. 15 U.S.C. 1681i requires credit reporting agencies to conduct a reasonable reinvestigation when information is disputed and correct any inaccurate or incomplete information. By failing to properly include the full history of these Department of Education accounts, the credit reporting agencies are maintaining a credit report that does not accurately reflect my credit history. This inaccurate reporting materially impacts my creditworthiness and ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am submitting this formal complaint regarding a debt collection account that is currently being reported on my credit file and has not been properly validated despite my request. I previously requested validation of this alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. The collection agency has failed to provide adequate documentation verifying the existence of the debt, the amount owed, or their legal authority to collect it. Despite this failure to validate the debt, the account continues to be reported to the credit reporting agencies. Reporting information that can not be verified is a violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2, which requires furnishers of information to provide accurate and verifiable information. Additionally, continuing collection activity without proper validation may constitute a violation of the Fair Debt Collection Practices Act. Because the company has failed to provide competent evidence supporting this alleged debt, I request the following : 1. Immediate investigation of this matter. 2. Removal of this account from all credit reporting agencies. 3. Written confirmation that the collection account has been deleted. If the company believes this debt is valid, they must provide complete documentation including the original contract, full payment history, and proof of legal assignment of the debt. I appreciate your assistance in ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX charged me a little over {$100.00} in XXXX. I wrote or called ( I don't remember now ). Asked why they charged me for something I didn't buy. They said I bought something for around {$90.00}. I told them I had not. It went on like this for a few months. They then turned it in to the XXXX credit bureaus. I didn't pay them for something I had not ordered. They put this on the credit bureaus that I owed {$260.00}. Whatever I supposedly bought from them was only a little over {$100.00} they said. How they got it up to XXXX I'm not sure. I disputed this. Of course they came back with I was wrong they were right. I have disputed this every year including XXXX. All three bureaus took it off of my accounts in XXXX. All at once the other day I noticed Experian had put it back on from a bill collector, LVNV FUNDING .XXXX turned it over to XXXX or XXXX different collection agencies in XXXX I believe. Please help me with taking this off my credit and the credit bureaus. It's the principle of the thing that I'm upset about. Besides hurting my credit.They never showed me any kind of proof that I bought anything from them that year. It's their word against mine and they seem to be winning. I don't have copies of contracts or the item bought. I don't know what it was I only know they turn this into the credit bureau. Please help me with this. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My newly opened Navy Federal Credit Union account was restricted shortly after activation, and I have been unable to access my account. I receive the message : Were unable to complete your request. Please contact us or visit a branch to discuss your accounts. I opened the account online and was able to activate and log in successfully. Shortly afterward, XXXX XXXX placed a restriction on the account without explanation. No documents were requested, and customer service representatives have been unable to tell me the reason for the restriction or provide a timeline for resolution. They stated that the restriction was placed by an internal department they can not contact. I have contacted XXXX XXXX multiple times and also contacted XXXX XXXX XXXX, who confirmed there is no issue on their end. Despite this, the restriction remains, and I have not been given any information or instructions on how to resolve it. I can not access my account or funds, and I have not been provided with any notice, explanation, or opportunity to verify my identity or resolve the issue. I am requesting that XXXX XXXX review and remove the restriction on my account or provide clear instructions on what is required from me to resolve it. I am also requesting a written explanation of why the restriction was placed.

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 2026-03-15 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: TX

Complaint narrative:
I recently reviewed my credit report and discovered several credit card accounts that I did not open or authorize. These accounts include XXXX XXXX, XXXX XXXX Credit Card, XXXX XXXX XXXX and XXXX accounts that are reporting missed payments and balances. I immediately filed an identity theft report with XXXX and began disputing the accounts with the credit bureaus. These accounts are fraudulent and were opened using my personal information without my permission. I am requesting that these accounts be investigated and removed from my credit report as identity theft. I also request that the credit reporting agencies block these accounts under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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 recently reviewed my credit report and discovered several credit card accounts that I did not open or authorize. These accounts include XXXX XXXX, XXXX XXXX Credit Card, XXXX XXXX XXXX and XXXX accounts that are reporting missed payments and balances. I immediately filed an identity theft report with XXXX and began disputing the accounts with the credit bureaus. These accounts are fraudulent and were opened using my personal information without my permission. I am requesting that these accounts be investigated and removed from my credit report as identity theft. I also request that the credit reporting agencies block these accounts under the Fair Credit Reporting Act.

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 2026-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Card was used numerous times after I had attempted to get gas at XXXX and the card was declined. When I logged into my XXXX I had XXXX dollars so I reached out to support via chat. They immediently froze my account and want my phone bill and iother documents. I have never had a bank request this information when I've report unauthorized transactions and im not comfortable giving them the landary list of documents. They are holding my money and refusing to close the account and issue a check. They won't allow me to transfer funds. They advertised at FDIC insured. I dont have my account number to give you, as they have refused to give it to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I had a repo on car in XXXX the fees keep adding daily .The original company is no longer there. It was a lemon to start had to get repoars first XXXX weeks no receipts given. I want this off my credit report asap

Company response to consumer: Closed with explanation