vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Account Name : XXXX, XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX  What happened : I disputed this account with all three credit bureaus and provided full verification of identity. The bureaus did not conduct a reasonable investigation and verified information that is inaccurate and inconsistent across XXXX, XXXX, and XXXX. 

This same account is reporting different account types, different statuses, and different remarks, which violates FCRA 607 ( b ) and the Furnisher Rule.

XXXX  reports the account as Collection Installment, Status : Open XXXX  reports the account as Collection Installment, Status : Open XXXX  reports the account as Installment, Status : Closed The same account can not legally be reported as both open and closed or as both a collection and an installment loan. 
This shows the bureaus and the furnisher did not perform a proper investigation under FCRA 611. 

Dates : Date opened : XX/XX/year> Date reported : XX/XX/year> Balance : {$430.00} High balance : {$430.00} Monthly payment : {$0.00} Past due : {$0.00} What I am requesting : I am asking for a full and reasonable investigation and for the removal or correction of all inaccurate and inconsistent information related to this account across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX  What happened : I disputed this account with all three credit bureaus and provided full verification of identity. The bureaus did not conduct a reasonable investigation and verified information that is inaccurate and inconsistent across XXXX XXXX and XXXX 

This same account is reporting different account types, different statuses, and different remarks, which violates FCRA 607 ( b ) and the Furnisher Rule. 

XXXX reports the account as Collection Installment, Status : Open XXXX  reports the account as Collection Installment, Status : Open XXXX  reports the account as Installment, Status : Closed The same account can not legally be reported as both open and closed or as both a collection and an installment loan. 
This shows the bureaus and the furnisher did not perform a proper investigation under FCRA 611. 

Dates : Date opened : XX/XX/year> Date reported : XX/XX/year> Balance : {$430.00} High balance : {$430.00} Monthly payment : {$0.00} Past due : {$0.00} What I am requesting : I am asking for a full and reasonable investigation and for the removal or correction of all inaccurate and inconsistent information related to this account across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
They didn't contact me before selling the debt. The new debt owner placed this on my credit report. I haven't heard anything from them. XXXX XXXX They charged off the debt. Then sold the debt to LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX I tried to deposit a payroll issued check from my employer of just over {$1000.00}. Typically my checks clear and are available by XXXX XXXX  the very next day. Upon checking my balance the next day, only {$300.00} of which was available. Later in the morning I went to use my debit card and the transaction was declined. 

I logged into my online banking to find out that the {$300.00} was taken back out and put on hold. I have never seen this before. So, I immediately called my bank. All they were able to tell me was, it is on hold for review and will not be available until XX/XX/XXXX, a full week since my initial deposit. I was very frustrated as I was no longer able to afford necessary gas and fuel costs for my week ahead. I asked to speak with a manager and I got more of the same. 

They were unable to give me a specific reason behind this hold and offered no solution to being able to release my funds any sooner. I find this to be completely unacceptable and I will no longer be banking with citizens bank due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NVR INC.
State: NC

Complaint narrative:
I started working with the mortgage company XX/XX/year>. I was assigned a loan officer that gathered the information needed to start the process for the loan. I only went through this lender because the builder gave an incentive of XXXX to use their lender. From there I was assigned a loan processor. I had her for a period of time before I was assigned another loan processor. I felt like I was starting all over because she would ask me for information that was already submitted. XX/XX/year>, I paid XXXX for an appraisal fee. A walk through was scheduled for XX/XX/XXXX and the closing was supposed to be on XX/XX/XXXX. Around the XXXX of XXXX I was to be assigned to my third loan processor but declined because I felt like I was just being given the run around, so I told the loan officer that I would deal with him only. He asked me if I was aware that the closing had been changed. My response was how would I know if no one had contacted me to let me know this. He then tells me that he needs me 1099. They already have my tax returns. At this point I have no faith in NVR Mortgage, and I then look for a different lender. What they couldn't accomplish in 5months I was able to get done with another lender in a little over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am filing this complaint because several accounts and credit inquiries are being inaccurately and inconsistently reported across my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I recently obtained copies of my credit reports from Experian, Equifax, and TransUnion, and I discovered multiple errors, conflicting dates, and missing payment histories. These issues have caused a significant decrease in my credit score and are harming my ability to qualify for a home loan. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I paid my credit card company nearly {$2200.00} two weeks ago and it still hasn't been credited to my account. Right now the card is maxed out because they hadn't credit the account. The money has been taken out of my bank account for a week, it shows the payment at the credit card company but they haven't reduced the amount so it still shows it is at the credit limit. It is ridiculous to take this long to credit my accoutn when they have the money and my credit limit is far too small. it should be aroudn $ XXXX so i wouldn't have to worry about it. There have been several autopays that have been declined, I am traveling so need the card now and when I call they're complete XXXX  and say this is their policy. NO other card has a policy to not credit the account they get the payment. They should be fined or put out of business for these tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
Velocity Investments LLC [ Their Address, if available ] Re : Cease and Desist Account # XXXX / File # XXXX Total Balance Claimed : {$330.00} To Whom It May Concern : I am writing to formally request that Velocity Investments LLC cease and desist all communication with me regarding the above-referenced account. This request is being made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Effective immediately, you are instructed to stop contacting me by phone, mail, email, or any other form of communication. The only communications you may send me are those permitted by law, such as : 1. A single notice confirming that you will comply with this cease and desist request, or 2. A notice informing me of any specific legal action you intend to take.

Please also consider this letter a request for you to verify and validate this alleged debt if you have not already done so in compliance with the FDCPA.

Any further unauthorized contact from your officeincluding attempts to call, email, mail letters, or contact third partieswill be documented and may be considered a violation of federal law. I reserve the right to pursue any remedies available to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> Ssn # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-18 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-17 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit report that has already been paid in full, yet the account continues to show derogatory and negative information that is inaccurate and misleading. 

After paying the balance, the account should have been updated accurately in accordance with the Fair Credit Reporting Act ( FCRA ). However, the following issues remain : The account still appears with negative remarks even though it has a {$0.00} balance. 
Certain status fields and date fields appear inconsistent across credit bureaus. 
The account continues to suppress my credit score despite having been fully resolved. 
I attempted to contact XXXX XXXX to correct this, but the information has not been properly updated or verified. 

I believe this reporting violates FCRA requirements regarding accuracy, timely updates, and completeness. 

Because the debt is paid and no longer valid as an open collection, the continued derogatory reporting is causing unnecessary harm to my credit profile. 

I am requesting CFPB assistance because the company has not corrected the reporting on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/scrub> 2025, I reported an unauthorized debit card transaction that first appeared as a pending charge on XX/XX/scrub>, 2025 and then posted on XX/XX/scrub>, 2025. I did not authorize this transaction, and I notified the bank immediately. 

Navy Federal Credit Union denied my fraud claim on XX/XX/year>2025, only two days after I reported it. I disagree with the denial and believe the bank did not properly investigate the transaction as required under Regulation E.

The bank also refused to provide provisional credit. While I understand a bank is not required to issue provisional credit if it completes its investigation within 10 business days, I am concerned that the investigation was rushed and not conducted fairly. I requested an appeal, and the bank responded that provisional credit will not be provided during the appeal process.

I am asking the CFPB to review whether the bank conducted a reasonable investigation as required under Regulation E, and whether the denial was appropriate based on the evidence. The bank has not explained why they believe the transaction was authorized, nor have they provided documentation supporting their decision.

What I want : A full review of the banks investigation A clear explanation of how they determined the transaction was authorized Reimbursement of the unauthorized charge if the bank can not show clear evidence that I approved it Assurance that the bank followed all Regulation E requirements, including proper handling of the appeal It was over {$1800.00} taken out of my account, and it was not me. This is messing with my livelihood, as Im going to be evicted if I can not pay rent within 3 days. They know this as well. 

Thank you for reviewing my complaint.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Guild Holdings Company
State: MO

Complaint narrative:
During our closing date, Guild Mortgage encouraged us to sign our papers the night before we were even able to receive the keys. At closing, the representative initially told us that the cashiers check we provided was {$300.00} more than the amount due and that we would receive a refund. However, when she returned after printing paperwork, she backtracked and informed us that we would not be receiving the {$300.00} refund after all. This was confusing and inconsistent with what we were told earlier in the appointment. 

We believe the Closing Disclosure ( CD ) and the Loan Estimate provided to us prior to closing should be reviewed to determine why the refund amount was changed at the last minute and whether the funds were calculated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
INCONSISTANT AND INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following hard Inquiries are disputed as unauthorlzed and or lacking permisslble purpose 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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INCONSISTANT AND INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following hard Inquiries are disputed as unauthorlzed and or lacking permisslble purpose 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 non-monetary relief
Consumer complaint received 2025-11-17 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I got 3 letters in the mail from my bank And I opened them and it said that, they were fraudulent checks and that I owed XXXX because of the money that was pulled out of my account, but I don't know who added that or who cash the checks, but I do know that I have lost a social security card and an ID and those. Are the only 2 things that you need to walk into the bank to cash a check or pull money out.

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