vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal restricted my account back in XXXX they sent me a letter couple months ago saying its funds in my account and they going to send to in to the state of Texas to be checking this website, I been checking the website for months still no money I even tried to email the ceo of the company no response, they funds is still sitting the account instead of them just sending a check in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I can not believe these inaccurate late payments are still on my credit report today. I refreshed the page repeatedly and nothing changed. I need the documents I sent to be reviewed properly and immediately so I do not have to stay stressed and angry over this anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: No Limits Access

Complaint narrative:
I sincerely hope you can help me. I deeply appreciate your time and understanding. 
I have attempted to reach out several times via email, including to XXXX, but have not yet received a response, so any guidance you can provide would truly mean a lot to me. 

My name is XXXX XXXX, and I am a researcher at the XXXX XXXXXXXX XXXX currently working with historical XXXX datasets for an academic project. 

I am writing because I encountered a specific issue when accessing the XXXX historical data from the CFPB website. While I am able to download the loan-level datasets for most years, the XXXX XXXXXXXX dataset appears to be missing from the Historic Data webpage : https : //www.consumerfinance.govXXXX  All other years before and after XXXX  are available, and only the XXXX file seems to be absent. I am unsure whether this is : 1. a technical issue on the website, 2. a change in public availability, or 3. some other reason related to data processing or privacy modifications. 

I would be extremely grateful if you could clarify why the XXXX loan-level dataset can not be downloaded and whether there is an alternative way to access the XXXX XXXXXXXX XXXX XXXX 

Best wishes XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I need to remove a negative account Ive already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IN

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 2025-11-24 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 am a consumer working to correct inaccurate and unverifiable information being reported on my credit file. I am requesting a full reinvestigation of the accounts and inquiries listed below. Any item that can not be fully verified according to the FCRA and Metro 2 standards should be updated or deleted. 
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 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.

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-24 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MS

Complaint narrative:
Consumer Name : NAME, Consumer Social Security Number : SSN, Consumer Date of Birth : DOB, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Last spring after several months of the company NewRez messing up my account, I managed to close the escrow accounts on my loan & I pay taxes and insurance directly. They have not charged me for any escrow amounts since XX/XX/year>. On XXXX for some unknown reason they paid the first installment of my property taxes. I had already paid it because I don't have an escrow account with them. I tried to rectify the issue via a chat online with them but all I could get is that I DID have an escrow account ( even though they acknowledged that they had not billed me for any escrow since last spring ). I do have a letter from them stating that my escrow accounts we cancelled and I could not reinstate them. I get a new bill from them with escrow charges added on for my taxes. I tried to call today, XXXX, but could not speak with anyone because they told me my mailing address I was providing was not the address on the bill. I am not sure how that can be when I have the bill I just received in my hand with that very address. 

So they incorrectly paid the first installment of my property taxes, which I already paid, even though I don't have an escrow account with them AND I can't talk to them about it because they claim that the mailing address in their records is not the one they just mailed me my bill to. 
I need help rectifying the escrow issue and I need to have a way to contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a lump sum of money through the bank they withheld my money didnt give it to me and closed my account without letting me withdraw my money. They was letting it draw interest but wouldnt let me touch it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/year> my credit monitoring company, privacy assist sent me an email stating that a new credit account had been opened on XX/XX/year>. I did not apply for or have any knowledge of the account and called the company to dispute opening the account and advised them that I had no knowledge of the account or the {$2700.00} charge made on the account. I explained to the company that this was fraud and was assured that my dispute was documented and, the account closed and an investigation was being opened. I filed for freezes and disputes with the three credit bureaus and am waiting for their investigations to be concluded to have the account removed from my credit 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 2025-11-24 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: AR

Complaint narrative:
I am a consumer attempting to correct inaccurate, incomplete, and unverifiable information being reported on my credit profile. I am requesting a full investigation under the FCRA, including verification of accuracy, completeness, account ownership, dates, balances, and permissible purpose for all disputed items listed below. 

I am disputing the following items for inaccurate or unverifiable reporting. Please reinvestigate and correct or remove all errors. 

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 {$1800.00} These accounts contain inconsistent balance reporting and conflicting dates between bureaus. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Investigate these inquiries for authorization and permissible purpose. 

Late Payments XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX This late payment appears inaccurate and unverifiable. Please validate records.

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 2025-11-24 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: GA

Complaint narrative:
This correspondence serves as my formal objection to the listed accounts. I did not create, approve, or affiliate with them. I request prompt removal and detailed review. Relevant documents are provided.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Supplement to Complaint # XXXX Date of Supplement Submission ( Today 's Date ) : Monday, XX/XX/year> Date of Phone Call : [ Insert Date of Call Here ] Time of Phone Call : XXXX XXXX  Caller ID/Number : XXXXTopic : Inquiry regarding the status of my dispute and submitted documentation. 

Details of the Conversation I received a call from a representative at XXXX regarding my dispute. During the conversation, the representative stated the following : 1. Missing Account Numbers : The representative informed me that the company still requires the account numbers for the accounts I am disputing in order to process the claim.

* I explained that I did not currently have them readily available. * The representative stated that without the account numbers, they could not process the dispute.

* I asked if they could take the account numbers over the phone, and the representative said they could not.

2. Missing Documentation : I asked the representative if they had received all the documentation I had sent.

* The representative stated they had only received one document.

* I informed him that I had sent more than one document.

* He acknowledged there might be a delay in receiving all the documents but reiterated that the dispute would not be processed until all documents were received. 

My Request to the CFPB I am adding this information to my complaint to ensure the following : * The company locates and reviews all documentation I have previously sent. 
* The company processes my dispute fairly, correctly, and without further delay once the full documentation is located. 
* The CFPB reviews the company 's stated policy of being unable to process a dispute without the account number and their inability to accept this information over the phone. 
Furthermore, if any disputes related to this matter are denied or the negative items are not removed from my credit report, I formally request a second and third re-investigation. These subsequent investigations should be assigned to two different, new investigators to address the issues of delay, potential failure to locate, or loss of my submitted documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am disputing debts that have been re-aged on my credit report. I have never received proof of the debts, the original creditors account closing date, or documentation showing the chain of ownership. 

These debt collectors have attempted to obtain personal information without identifying themselves properly, called me hundreds of times from blocked numbers, sent emails, and even used robocalls. I have screenshots showing re-aging and copies of emails/robocall evidence.

I have previously disputed these debts, but the collectors have refused to provide validation or proof of debt. XXXX  XXXX  can prove the disputes I have attempted with no investigation or proper contact with me to validate these concerns.

My credit has continuously been damaged from these creditors applying false open dates making it appear my debt is newer than it is and it has made it a struggle for me to financially recover. I am prepared to take this to the att
orney general due to the grief and stress all of this has caused me.

I request the following : Full debt validation, including original creditor, account number, original closing date, and documentation showing ownership.

Correction of any re-aging or inaccurate reporting to credit bureaus.

Immediate cessation of illegal calls, emails, and harassment until validation is provided.

I am submitting this complaint because I have exhausted direct disputes, and the collectors continue practices that violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint because Transunion has failed to correct inaccurate information on my credit report, which has caused significant harm to my ability to secure a home loan. I requested multiple times that they correct a XX/XX/year> late payment on my XXXX XXXX account ( Account # : XXXX XXXX XXXX XXXX XXXX ). Despite my efforts, Transunion deleted the account without addressing the late payment, and they reported it again and it is now marked as closed when it was originally open. The late payment still remains uncorrected.

I have disputed this issue three times now, and I have never been late on this account. I have asked for the late payment to be corrected to " Paid as Agreed '' or " OK ''. However, Transunion 's failure to properly investigate and fix this issue is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) ( requires accurate reporting of information ) 15 U.S.C. 1681b ( 2 ) ( prohibits reporting without my written consent ) 15 U.S.C. 1681i ( requires proper investigation of disputes ) This error is negatively impacting my credit score and has already caused me to be denied a home loan. I am requesting the CFPB 's assistance in resolving this issue by ensuring a full reinvestigation of my dispute and correction of the inaccurate late payment. 
If this matter is not resolved promptly, I am prepared to pursue legal action for noncompliance under the FCRA.

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