vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
Navy Federal Credit Union denied my debit card dispute and improperly classified it in order to avoid following federal Regulation E requirements. They are refusing to process my dispute as an unauthorized electronic fund transfer, even though the merchant delivered the merchandise to the wrong address an address that is not mine which means I received no benefit from the transaction. 

I filed a dispute for a {$52.00} debit card transaction with XXXX XXXX ( purchase date XX/XX/year> ). The merchant delivered the package to an incorrect address that does not match the address on my order. XXXX XXXX and I both provided Navy Federal with pictures and proof showing the actual address where it was delivered. 

Instead of processing the claim under Regulation E, Navy Federal classified my dispute as a non-receipt of merchandise issue under Section 17 of their debit card disclosure, which they say is not governed by Regulation E. They acknowledged this in their written message to me on XX/XX/year>. 

This classification is incorrect. Under 12 CFR 1005.2 ( m ), a transaction is considered unauthorized if it was initiated without my authority and I received no benefit. Because the merchant delivered to an address I do not control, I received XXXX benefit. This makes the transaction an unauthorized electronic fund transfer, which is governed by Regulation E.

Law Violated : Electronic Fund Transfer Act ( EFTA ) Regulation E ( 12 CFR 1005.11 ) Unauthorized transfer definition : 12 CFR 1005.2 ( m ) Navy Federal is refusing to treat this as an unauthorized transaction even though I did not receive the goods and did not benefit from the transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
The borrower passed away, and I first notified the company of her death by phone during the week of XX/XX/year> ; I am next of kin. During that call, I was instructed to provide a copy of the death certificate. I mailed the requested death certificate to the company on XX/XX/year>. 

I was aware that the vehicle, which was used as collateral for a consolidated personal loan, would eventually be repossessed and was not disputing that outcome. However, on XX/XX/year>, the vehicle was repossessed in the early morning hours without any prior communication, notice, or attempt to coordinate with next of kin regarding the process. This caused me to initially believe the vehicle had been stolen, which was extremely distressing. 

At no point was I informed that repossession was imminent, given an opportunity to retrieve personal belongings from the vehicle, or allowed any chance to emotionally prepare for this event. I had assumed that after submitting the death certificate, the company would contact me to explain next steps or provide a timeline. Instead, I experienced significant distress and confusion, including concern that I had failed to complete a required step or had not properly informed the company. 

I am not disputing the companys legal right to repossess the vehicle. My complaint concerns the abrupt and insensitive manner in which this process was carried out following a death, and the absence of basic communication with a grieving family member. I believe this distressing situation could have been avoided with communication. I am requesting a review of the companys procedures for handling accounts after a borrowers death and an explanation for why no notice was provided prior to repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: WA

Complaint narrative:
Today I received a notice from KeyBank for a prepaid card I was given for an unemployment claim that was paid in XXXX during XXXX. It reads that on or after XX/XX/XXXX a $ 10 monthly inactivity fee will be applied to my account. This will go into inactive status as there have XXXX consecutive months of inactivity. This account was automatically cancelled, I know this because I tried to see what the balance was on the card in XXXX and was given message that the balance was closed out. Now 4 years later, I am on the phone with the number given to contact KeyBank XXXX which gets you their automated customer service and no matter what route you take there is going to be a charge. I spent a half hour on the phone and finally got through to a person, the way I found to do so was by trying to report a stolen card. All other ways need an account number and throw you in a loop. I spoke with a guy named XXXX XXXX When I told him I didnt know the account number it leads to a fishing for personal information, then we find out it for the Covid 10 day unemployment payment card. I asked him about getting the frozen amount mentioned above and was then told that the account was closed. I then asked why I was sent the threat letter for a monthly inactivity fee and was I going to be charged for reporting a stolen card as the automated teller told me would happen. He said he didnt know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting late payments that allegedly occurred before the account was paid and closed. The continued reporting of derogatory payment history without validation is inaccurate and misleading. This furnisher has not provided proof of the alleged delinquency dates despite prior disputes, and the account currently reports as Paid, Closed, which contradicts the ongoing negative marks.

Violation : This reporting violates FCRA 15 USC 623 ( a ) ( 1 ) ( A ) because furnishers must not report information they know or should reasonably know is inaccurate or unverifiable.

It also violates FCRA 611 ( a ) due to failure to properly reinvestigate the previously disputed late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am writing to dispute certain items in my Equifax credit report that I believe contain inaccuracies or incomplete information. Please investigate these items as required under the Fair Credit Reporting Act ( FCRA ) and take appropriate corrective action. 
Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX  Account Type : Mortgage Account Status : Open Past Due : {$2100.00} Reason for Dispute : I believe this account has been reported inaccurately. The delinquency should only be reported for 7 years, but it is showing as 180 days late, which is a violation of the FCRA. 
I request a review of the dates, balance, and payment history. 
Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Account Type : Installment Loan Account Status : Open Past Due : {$1300.00} Reason for Dispute : This account is reported with incorrect information regarding the past due status and payment history. I request a review of the account for any discrepancies in reporting. 
Account XXXX : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX  XXXX  Account Type : Installment Status : Closed Balance : {$990.00} Reason for Dispute : I dispute this accounts balance and collection status. I believe it has been inaccurately reported. I request a full investigation into the reporting of this account. 
Account XXXX : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX Account Type : Collection Account Balance : {$890.00} Status : Collection Reason for Dispute : This account is showing as a collection account. I believe it was not properly verified and was inaccurately reported as a collection. I request a thorough investigation of this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-20 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I was charged service charges on my US Bank checking account. I was first told it was because the balance was too low. Then was told it was because the account was dormant. This doesn't make sense as I used the account in the same month the fees started. Meaning they've just been charging me fees for no reason. I tried to close the account, but they won't let me close the account since it is dormant. They are forcing me to keep the account open so they can charge me fees.

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 2025-11-20 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:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-11-20 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I was a victim of predatory lending by Santander Bank, NA XXXX XXXX XXXX XXXX XXXX TX. XXXX. Their loan terms were unfair and the reporting on my credit is inaccurate. 
Under the Credit Reporting Act, .15 U.S.C. * 1681 requires all credit reporting to be fair, accurate, and verified.

.616 - 617 make credit bureaus and furnishers liable for reporting false or unverifiable information. 
I m requesting an immediate reinvestigation and deletion of this account if it can not be fully verified with original documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
A lady called me phone 4 times non stop DEMANDING I make a payment. I asked what was it for and she stated that I should know since I made the debt. I was confused. My ex husband and grandmother also told me they call stated they was going to arrest me XXXX damage my credit if I didnt send them a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief