vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
Navy Federal Credit Union Denied my mortgage application. The main reason listed was delinquent accounts. I DO NOT HAVE ANY delinquent accounts on my credit report. That was basically a lie they gave. 
They also used the LQA allowance I get from my employer as a debt to count against my XXXX. LQA is money paid in my check biweekly to cover my rent while I am stationed overseas. I am never required to repay that money. XXXX XXXX insisted it was a debt and counted it against me. They acted as if they were not familiar with the LQA allowance which is strange considering they service so many service members. 
I am an XXXX American woman and I am not convinced that I was not discriminated against in this process. My XXXX XXXX was good and my XXXX was within approved range until they insisted on counting my LQA allowance as a debit in my XXXX calculation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TN

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 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 2025-08-08 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: PA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
XXXX {$710.00} showing charged off but I never received 1099C formXXXX {$2500.00} account is showing charged off but l never received a 1099C from the company and the company is still trying to collect although they charged off the debt.XXXX {$2100.00} showing charged off on my credit report but I never received 1099C form from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: LA

Complaint narrative:
Hello, I am submitting this formal complaint regarding inaccurate and inconsistent reporting by Discover Card Services. Despite prior disputes, Discover Card Services has failed to correct or explain the discrepancies in the information they are furnishing to the credit reporting agencies. 

As of XX/XX/XXXX, the following inconsistencies are present in my credit file : Highest Balance : XXXX  reports {$10000.00}, XXXX  reports {$0.00}, and XXXX  reports {$9500.00}. 

Date of Last Activity : XXXX  reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, and XXXX  reports XX/XX/XXXX. 

Date Opened : The date opened for this account varies across all three credit reporting agencies. 

Last Payment Date : XXXX  and XXXX  report XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 

These discrepancies violate the accuracy and consistency requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to report complete and accurate information to all consumer reporting agencies.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Metro Collection Service Inc.
State: LA

Complaint narrative:
Metro inflated my original lease balance ( {$3200.00} ) to {$5300.00} by adding unauthorized fees. My credit reports also show {$4600.00}, proving inconsistent reporting. They sued me on XX/XX/XXXX, but I was never properly served. On XX/XX/XXXX, XXXX XXXX XXXX vacated the judgment for improper service and the case is still in litigation. Despite this, they report monthly charge-offs ( Aug 2023Jul 2025 ), list the account as open when closed, and have never proven they own the debt. This violates FCRA 1681e ( b ), 1681s-2 ( b ), FDCPA 1692e, 1692f, and Metro 2 standards. Ive suffered housing denials, job loss, and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am beyond frustrated to find that unauthorized inquiries are still listed on my credit report today. Refreshing my browser proved its not a simple glitch. I need the documents Ive submitted to be examined without delay so I can put this issue behind me once and for all.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I opened a checking account with Bank of America ( BofA ) on XX/XX/year>. At the time of account opening, BofA offered me a {$200.00} bonus for opening the account and completing certain requirements. On XX/XX/year> BofA sent me a letter confirming that my account was enrolled in this bonus. 

After I completed the offer requirements and waited for several months for payment, I called BofA to inquire. The first BofA employee I spoke with said I did not meet the requirements since I did not meet the minimum daily balance requirement of the terms. There was no minimum daily balance, there was an average daily balance requirement. Afterwards, the employee struggled to understand the difference between minimum and average. However, I was able to get a research ticket submitted for XXXX delinquent payment. 

After a month with no results on this research I called again. I found out that the research was only completed in a day! This expert researcher just forgot to respond for an entire month. 

This researcher found that I was not eligible to participate in this bonus since apparently the same promo code ( AMDDIG ) was used by me in the past. This justification is found nowhere in XXXX own terms. There are exclusions, but this reason isnt listed. 

Even if this were true : Why lie to the customer and state that they are eligible to participate? Why lie to the customer and send a letter verifying their eligibility? Why approve a customers account if they are not eligible to participate? Why not add this exclusive language to the actual terms of the deal? Why intentionally omit the all important promo code on the landing page for the offer? Thats five levels of deception. 

This leads me to conclude that it is a made up manufactured excuse by the BofA reseacher. Probably because this researcher is incentivized to find made up reasons to default on contracts.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : DEMAND FOR IMMEDIATE DELETION OF UNVERIFIABLE COLLECTION ACCOUNT VIOLATIONS OF 15 U.S. Code 1692 ( g ), 1692 ( c ), 1681i ( a ) To Whom It May Concern, I am formally demanding the immediate deletion of the collection item you are reporting to Experian with a balance of {$4400.00}, referencing the alleged original creditor XXXX XXXX XXXX, opened XX/XX/XXXX. 

Your reporting and continued collection efforts violate multiple provisions under federal law : FDCPA VIOLATIONS : - 15 U.S. Code 1692g ( a ) You are required to provide validation of the debt within 5 days of initial communication. I have no record of receiving proper validation, including the original signed agreement, full itemization of the debt, or proof of ownership of the account.

- 15 U.S. Code 1692c ( c ) You must cease all collection activities after being notified to stop. This letter serves as notice under this statute. Continued reporting or communication constitutes a willful violation of federal law. 

FCRA VIOLATIONS : - 15 U.S. Code 1681i ( a ) Information must be accurate, verifiable, and complete. This account appears unverified, outdated, and was previously disputed. Continuing to report it without full re-verification and documentation constitutes negligent and/or willful noncompliance.

- 15 U.S. Code 1681s-2 ( b ) As a furnisher of information, you are required to reinvestigate and correct or delete inaccurate or unverifiable data when notified of a dispute. No such correction has occurred.

This is your final warning. You are hereby directed to : 1. Permanently delete the above-referenced account from all consumer reporting agencies.

2. Cease all communication and collection activity effective immediately.

Failure to comply within 15 calendar days will result in legal action and complaints filed with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - The New Jersey Attorney Generals Office - Civil action under 15 U.S.C. 1681n/o and 1692k, for damages, attorneys fees, and injunctive relief.

You have been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I have contacted Mohela multiple times via writing and calling about applying my over payments to my principal only balance. I have requesting multiple times to have my payments apply to the principal only and not to extend the life of the loan. By applying my over payment to future payments and extending the loan, the loan is accumulating more interest. I want my over payments applied to the principal balance to decrease the interest that is accruing and to pay this loan all faster. Each time I have call I have been on hold no less than 50 minutes before being able to speak with someone to assist. Each time I was told my concerns would be escalated and corrected. My called today I was on hold for one hour and 20 minutes prior to speaking with someone who then transferred me to the resolution Department. Once I was transfer the message stated someone what returned my call and 1-2 business days. Now I have to wait and hope I am available to answer their call. When payments are applied to principal only monthly interest applied should decreased every month not fluctuate. 

Calls placed on XX/XX/25 and XX/XX/25. 
Sent written request on XX/XX/25. They sent the following response as a reply : " Interest accrues daily on your loans. Once your accrued interest has been satisfied with your payment, any additional amount that is above your regular monthly payment amount is applied towards the principal of your loan and future payments. If you have satisfied your future payment, your next billing statement will indicate a payment is not required for that bill. You may still continue to make payments which will pay your account ahead. Since the extra payment goes towards principal, you end up paying less interest over the life of the loan and pay the loan off quicker! ''

Company response to consumer: Untimely response
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I filed disputes with Experian about accounts that I believe are inaccurate, incomplete, or unverifiable. Experian has not taken the necessary steps to delete these accounts, even though they have failed to provide evidence that the information is fully accurate. This lack of action violates my rights under the FCRA and continues to damage my creditworthiness.

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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
About a year ago, I was scammed for {$40.00} on XXXX. XXXX  customer service refused to help so I disputed it with my bank and won. XXXX  has since restricted my account despite the bank ruling in my favor. I've attempted to have my account reopened but XXXX  refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt.

Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. 
This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This late payment entry conflicts with my pattern of punctual payments. Please investigate, remove it, and correct my report.

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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XXXX Bank of America sent wire transfer of {$39000.00} to XXXX XXXX XXXX XXXX XXXXXXXX XXXX would not confirm receipt of wire transfer stating privacy act. On XXXX XXXX XXXX  Bank of America sent wire transfer recall to XXXX XXXX XXXX  to which XXXX XXXXXXXX XXXX denies receiving recall request after waiting one week. On XXXX XXXX XXXX  a second recall request was sent to XXXX XXXX XXXX  and as of XXXX XXXX XXXX XXXX XXXX  still claims it has not received any recall notices.So we have a standoff with both banks claiming they can not do anything else

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 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX was disputed investigated and removed by original creditor by XXXX XXXX in XX/XX/XXXX it was sent to me in writing that was removed but it resurfaced in XXXX under a collection agency Jefferson Capital without any written notification that it was being reinserted. I have since spoken with XXXX separate XXXX XXXX customer service representatives and been told that they are not responsible and disputed online and sent the dispute results statement saying that the account was deleted

Company response to consumer: Closed with explanation