vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: MD

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions mishandling of my debit card fraud dispute in violation of Regulation E ( Electronic Fund Transfer Act ). 

My Navy Federal checking account ( ending in XXXX ) had several unauthorized debit card transactions in XX/XX/year>, totaling about {$180.00}, after my card was lost. These included : XXXX {$100.00} XXXX {$33.00} XXXXXXXX XXXX XXXX ( XXXX XXXX, XXXX  XXXX {$20.00} XXXX XXXX XXXX XXXXXXXX multiple small charges ( {$18.00}, {$10.00}, {$9.00}, {$6.00}, {$0.00} ) The last legitimate transaction I made was on XX/XX/scrub>XXXX XXXX XXXX at XXXX XXXX for {$790.00}. That was the last time I had possession of my debit card. 

I filed my initial dispute on XX/XX/year>, but Navy Federal denied my claim. I appealed the decision and asked for the specific evidence they relied upon to conclude that these were my charges. 

On XX/XX/year>, I sent an email to Navy Federal requesting escalation under Regulation E and specifically asked for all documentation used in the investigation including signatures, IP addresses, location data, and merchant communications. 

On XX/XX/year>, I received a reply stating : Our information contradicts your claim of unauthorized activity and our investigation revealed no new evidence to overturn the previously denied case. The documents we relied on, if any, are attached. 

However, no supporting evidence was provided no merchant data, IP addresses, or transaction verification that tied the activity to me. Instead, XXXX XXXX stated that it would not provide its proprietary fraud detection methodologies and that the matter was considered closed. 

This handling violates 12 CFR 1005.11, which requires financial institutions to conduct a reasonable investigation and provide copies of all documentation relied upon when denying a consumers claim. Navy Federals refusal to provide evidence or transparency does not meet this standard. 

I am requesting : A complete copy of the investigation file and all supporting documentation. 
A re-review of my fraud claim by Navy Federals Executive Response Group. 
Reimbursement of the unauthorized transactions totaling approximately {$180.00}. 

On XX/XX/year>, I also sent a follow-up email to XXXX and have received no response. 

I have documentation of all correspondence, the disputed transactions, and Navy Federals responses for verification.

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 2025-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Mitigation Services, LLC
State: TX

Complaint narrative:
Reveune Reporting Services contacted me by text and by phone. They left a voicemail that cut off and immediately contacted my two sisters and said they were a debt collector and they were looking to get in touch with me. They also stated the client " XXXX XXXX XXXX '' would not accept anything less and that I could not miss another payment or they would attempt to verify employment and income. I called XXXX XXXX XXXX and they said this was not the case and they weren't handling the account anymore. 

I believe this is in violation of the FDCPA. I am requesting that they cease and desist from contacting me, my family, my employer or anyone else in relation to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am writing to formally dispute the following accounts and inquiries listed on my credit report. I believe these items are inaccurate, incomplete, or not in compliance with the Fair Credit Reporting Act ( FCRA ) and respectfully request a thorough investigation into the following : Charged Off Accounts : XXXX XXXX XXXX, Account # XXXX, Opened : XX/XX/year>, Balance : {$20000.00} Issue : The reported balance is inaccurate and does not align with my payment history or current status. I request verification of the account 's balance and status. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

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 2025-11-07 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$660.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} Dispute Summary : The same charged-off accounts listed on the other bureaus are also appearing on TransUnion with inconsistent dates and balances. I request that TransUnion verify each accounts accuracy and remove any unverifiable or incorrect reporting. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX & XX/XX/XXXX XXXX  ( XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Summary : There appear to be several repetitive or potentially unauthorized inquiries on my TransUnion file. I request confirmation that each inquiry was made with my consent. Any unverified or duplicate inquiries should be deleted.

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 2025-11-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXXXXXX   SS # : XXXX Date : XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Response to Request for Additional Documentation Identity Verification To Whom It May Concern, I am writing in response to your letter dated XX/XX/XXXX regarding my recent request to dispute inaccurate information on my Equifax credit report. I understand that my initial submission did not fully meet the identification requirements, and I am now providing the requested documentation to verify my identity and current mailing address. As instructed, I have included the following two documents : 1. * * Proof of Identity * * ( Category 1 ) : SSN ID 2. * * Proof of Current Address * * ( Category 2 ) : Proof of Billing These documents confirm my identity and my current address at : Address : XXXX XXXX XXXX XXXX, New Jersey XXXX I respectfully request that my dispute be processed and the inaccurate information on my credit file be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm receipt of this response and let me know if any further information is needed. Thank you for your attention to this matter. 

Sincerely, Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays credit card had two charges on my statement that I did not do. They did three fraud investigations that resulted in not fraud because my card was inserted into a reader within two different states : XXXX XXXX in North Carolina, on XX/XX/25, {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX in PA on XX/XX/25, {$230.00} I live in New York State and do not travel. I was not in XXXX XXXX  or XXXX  on XX/XX/. 

I am the only one who had the card. Im refusing to pay for these charges that I didnt do, and company will not work with 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 explanation
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$13000.00} XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX Balance : {$1300.00} XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX  Balance : {$0.00} Dispute Summary : The reporting on these accounts appears inconsistent or potentially unverifiable. 

XXXX XXXX XXXX and XXXX both show {$0.00} balances but are listed as charged off or derogatory. These should be verified or removed. 

XXXX XXXX XXXX XXXX shows a recent charged-off status that I was not properly notified of, and I request documentation proving its accuracy and date of delinquency. 

XXXX XXXX appears as a collection or charged-off account that may be duplicating a prior debt or reported inaccurately. 

I am requesting a full reinvestigation of all accounts listed above. If any information can not be validated by the furnisher with proper documentation, I ask that TransUnion immediately delete or correct the account under FCRA guidelines.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 writing to dispute the following accounts that appear on my Equifax credit report. These accounts are inaccurately reported, and I request that these items be investigated and removed or corrected as necessary. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$2200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Specific Account Inaccuracy : Citi and XXXX XXXX  In my 3-bureau report dated XX/XX/year>, there is a clear inconsistency and unresolved issue involving a debt sold from CitiBank to XXXX XXXX XXXX : Original Creditor : CitiBank N.A . 

Account Type : Credit Card Citi Balance Reported : {$2300.00} ( marked as charged off and closed ) XXXX XXXX  Balance Reported : {$1900.00} ( listed as a collection ) Issue : The transfer of ownership and balance amounts are inconsistent across all three bureaus, and no verification has been provided by any of the credit bureaus or the new owner of the debt. 

This indicates that either Citi did not update the charge-off record correctly, or XXXX XXXX has failed to report the accurate balance in compliance with Metro2 and FCRA accuracy standards. Each bureaus continued reporting of both tradelines with conflicting balances causes double reporting of the same debt and an artificial inflation of my total debt load.

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 2025-11-07 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Dispute of Credit Report Account XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the accuracy of information reported on my credit report regarding the following account : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Auto Loan Date Opened : XX/XX/XXXXXXXX  Date Closed : XX/XX/XXXXXXXX  Balance Reported : {$14000.00} ( TransUnion )/ {$13000.00} ( Experian ) Status : Charge-Off I have identified significant inaccuracies that require immediate investigation and correction : 1. Incorrect High Balance on TransUnion : The report states a High balance of {$31000.00} from XX/XX/XXXXXXXX  to XX/XX/XXXX, which is impossible since the account was closed in XX/XX/XXXX. 
2. Discrepancy in Balance Between Bureaus : TransUnion reports {$14000.00}, while Experian reports {$13000.00}. This discrepancy indicates inaccurate reporting and requires verification.

3. Charge-Off Amount : I request verification that the reported balance is accurate and corresponds to the actual debt owed according to my records.

Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Ensures all information in consumer credit reports is accurate, complete, and verifiable. Consumer reporting agencies must investigate and correct any inaccuracies within 30 days.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Protects consumers from reporting and collection of inaccurate or unverified debts.

State Consumer Protection Laws ( Florida Statutes, Chapter 501 ) : Provide additional protections to consumers against unfair or deceptive practices by creditors or collection agencies.

Attached are copies of my credit reports and supporting documentation. Under the laws cited above, I request that these inaccuracies be investigated and corrected promptly with all credit reporting agencies reflecting this account. 
Please confirm receipt of this dispute and inform me of the results of the investigation. 
Thank you for your attention and prompt action. 
Sincerely, 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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica
State: CA

Complaint narrative:
The overdraft fees were charged in error even though I had sufficient funds I received XXXX overdraft fees of {$38.00} dollars each. 
I contacted customer service, a manager, and corporate client support on XX/XX/year>, but they refused to help This was with my XXXX XXXX  account I was requesting a refund all overdraft fees charged in error, totaling {$260.00}. I received XXXX overdraft fees on XX/XX/year>. Another on XX/XX/year>XXXX  and another on XX/XX/year>. When I talked to corporate I requested a case number and that number is XXXX. This was not me overspending but a timing and processing issue and the bank still refused to help.The overdraft fees were charged even though I never actually spent beyond my available balance. The charges hit at the same time as deposits that hadnt cleared yet, and the banks processing order caused my account to show negative temporarily. 

Additionally, I didnt receive any notification about the overdraft until after the transactions had processed, which prevented me from addressing it in time. I believe these fees were improperly assessed and should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am disputing the following accounts on my Experian credit report as they are inaccurate and incomplete. Please review and make the necessary corrections under FCRA guidelines. 

Charged Off Accounts : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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