vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
This company that I never heard of before ( Resurgent Capital Services/ LVNV LLC ) is scamming for debt! This company and someone name XXXX is scamming people out of their money by emailing about debt that was 10 years ago. They are trying to scam people!! The general number of years to collect most debts is XXXX years not 10 years. This company and person is scamming people out their money by emailing fake debt from 10 years ago!!!!! This is how people get robbed and you guys need to evolve already because you have companies like these thats snaking their way into peoples pockets. They need to be out of business and XXXX needs to be fired!! Shouldnt scam people out of money with fake debt and/or XXXX XXXX XXXX debt when they know the law. They are that greedy!!! Should be sued for having someones personal information and the person themselves didnt give you permission to have!!! This is how so many people get taken advantage of then you guys want to change laws and extra security on everyone else when the real problem is companies like these!! They dont have permission to contact me and nobody has permission for my personal information unless I give it to them. I dont want them bothering me! Leave me alone! I NEVER gave these people my information!! This is how people identity gets stolen!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: PA

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

FRAUDULENT ACCOUNTS : XXXX # XXXX XXXX  - Balance : {$230.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
My name is XXXX XXXX. I am a social media influencer and I was paid by a company and I have not yet been able to receive my funds. PayPal has told that they will hold my funds. I have never dealr with them and before I made my account I asked if there would be a problem. I have had no help and they wont tell me why they ban my account and are holding funds but its predatory and illegal. Please help me this has been doing on since XXXX. They are holding {$940.00} and Im am attaching documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-31 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: OH

Complaint narrative:
Repeated Denial of Credit Card Fraud Claim and Failure to Provide Legally Required Written Rationale I am submitting this complaint regarding Navy Federal Credit Unions repeated denial of my credit card fraud claim and their subsequent failure to comply with federal requirements under the Fair Credit Billing Act ( FCBA )/ Regulation Z. 

Background of Claim : Account : Credit Card ending in XXXX. 

Fraud Date : Charges occurred shortly before I reported the card lost/stolen on XX/XX/year>. 

Amount Disputed : {$3700.00} in unauthorized transactions. 

Navy Federal 's Failure to Comply : I filed an initial claim and a subsequent formal, written appeal providing compelling information that the charges were fraudulent and unauthorized. 

On XX/XX/year>, my final appeal was denied with a generic response that " no new information has been given '' and without providing the required evidence. 

FCBA Violation : Navy Federal has denied my claim but has failed to provide a final, written explanation of the specific evidence used to conclude that no error occurred, as required by law. 

I have been forced to escalate to the CFPB due to the clear stall tactics and regulatory non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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.

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-31 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: AL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: APG Financial Inc
State: UT

Complaint narrative:
When I purchased the vehicle, the company added {$50.00} to every payment to cover XXXXXXXX XXXX for collision only. I was told that this was a great deal and I guess this justified being able to send me away with the vehicle without me needing to provide insurance for the vehicle. I was told that I could cancel this insurance if I ever get full coverage elsewhere, but that I should only need to purchase liability insurance for the vehicle now. 

What they didnt tell me is that no insurance company will allow me to put liability insurance on the vehicle without full coverage. The vehicle is leased, and its law and policy that they must fully insure the vehicle until there is no longer a lien on it. I was forced to purchase full coverage insurance. 

Once I put full coverage insurance on the vehicle, I immediately tried contacting the dealership. I was directed to an email address to send all my documentation in. I have not received even XXXX reply from them in XXXX weeks. They havent even bothered to tell me that my coverage is inadequate ( my coverage is adequate ) or anything. 

I was told that {$50.00} every XXXX weeks would go toward the XXXXXXXX XXXX. But since I put the insurance on the vehicle, they have actually charged me more! I am now paying about {$66.00} every XXXX weeks for insurance that I dont need. They have failed to provide me with any information why my XXXX XXXX. I am now having to pay full coverage to XXXX, and Markosian Auto, XXXXXXXX XXXX is charging me for XXXX as well. 

I have a small daughter for who I am the sole provider for. This is robbing me of valuable resources that I need to provide for her. I cant keep doing this. XXXX going to end up defaulting on the loan if XXXX cant get this resolved.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-10-31 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have been a Capital One customer for approximately 20 years and never missed a payment. Due to a fraud problem my checking account was closed and a new account established. Prior to closure of the account a full balance payment was sent on XX/XX/year>XXXX  and receipt acknowledged by Capital One. Without my knowledge, my credit union rescinded the payment on XX/XX/XXXX.. Capital One made two additional attempts to withdraw the payment on XX/XX/XXXX and XXXX. On XX/XX/XXXX, upon establishment of my new checking account, I made a full balance payment of {$23000.00}. 

Regardless of the circumstances which resulted in a full balance payment being late by five days my credit card was cancelled, along with my XXXXXXXX XXXX  credit card. The Capital One card had reward points of approximately {$5400.00} and the XXXX XXXX card approximately {$500.00}. 

I have appealed to the corporate office to have my cards re-established and my reward points restored. My appeal was denied. I asked for the specific reason for the closure and was told only that there was unusual activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Citibank coded a XXXX peer-to-peer transfer to my daughter for {$20.00} as a cash advance without disclosure, charging a {$10.00} fee on a {$20.00} transaction.

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 2025-10-31 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 urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX I made a deposit of {$750.00} which did not post to my account. The deposit was made in cash at a truist Bank atm. Where I received an error receipt and was asked to call to submit a claim. I have been given the runaround over and over each time I call. I am currently on XXXX and need my cash in order to pay rent. It has been 5 days no resolution no contact from the bank other than an automatic email message.

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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Im writing to formally request a review regarding an overpayment that occurred during the payoff and funding process for my new auto loan with Navy Federal Credit Union XXXX XXXX. When my new auto loan was approved, the bank submitted a trade-in payoff estimate of {$4100.00} for my previous vehicle. However, by the time the payoff was finally processed on XX/XX/year> the actual amount was {$3400.00}, leaving a difference of {$660.00}. XXXX XXXX then applied that {$660.00} directly toward the principal of my new vehicle loan instead of refunding me. While I understand this is standard under XXXX XXXX payment-application policy, this situation does not fit the intent of that rule. The overage was not the result of a voluntary overpayment or additional funds I authorized. The issue began with the dealerships error when processing the payoff check, but the delay was extended by the back-and-forth between XXXX XXXX and the dealerships financial institution over who would correct it. As a result, the payoff was not completed for nearly two months, and I was forced to make two additional payments on a vehicle I no longer owned to prevent late fees or credit impact. Because of these delays and miscommunications ( none of which were within my control ) I ended up paying more out of pocket than I should have. 
While applying the {$660.00} to my new loans principal may have technically lowered my financed amount, the financial impact is minimal. At a 5.79 % rate over a 72-month term, the interest savings from that principal reduction amount to only about {$120.00}. This is significantly less than the total I was forced to pay out of pocket due to the delayed payoff. In this case, the small interest savings do not outweigh the additional cost and inconvenience I incurred as a direct result of the delay. I have reviewed my Navy Federal ePromissory Note ( Form 23SA ) and understand that while it explains how payments are applied, it does not address refund procedures when the amount financed changes due to a payoff adjustment. I have asked Navy Federal what the appropriate steps are for a member to take in this type of situation but they have since stop responding to my messages. In my perspective, I followed every instruction correctly and acted in good faith throughout the entire process, yet I am the one who was unnecessary financially impacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation