vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
My husband and I spoke to multiple people on the phone from Navy Fed XX/XX/XXXX after being scammed and lost {$2500.00}. The last person we spoke to had told us a fraud claim was going to be made. They explained to us the process and told us that if the claim was approved, we would receive our money back from Navy Fed. If the claim was not approved, we could provide supporting documentation and have our claim investigated again. We later followed up and were told our claim was approved and we had to wait ten business days for our money to go back into our account. 

I had not seen any money returned to our account, so I called navy fed on XX/XX/XXXX. They told us that the claim was declined, and that whoever described the process to us before was misleading or untrue. When asked if we could contact the person that had told us this information, we were told that's not possible. I was then told that information like this can not be discussed over the phone and that I had to message in my account. That same day I messaged in my Navy Federal account the whole situation. They finally followed up with me XX/XX/XXXX. Simply put, they stated " we are unable to assist you ''. 

My husband and I never took actions such as contacting law enforcement or making a report because we were confident Navy Fed was going to help us through this. We are disappointed in the utmost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Inaccurate Charge off/Collection & Personal Information : Company Name : XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX  - Account # : XXXX - Balance : {$27000.00} Company Name : XXXX  - Account # : XXXX XXXX Balance : {$1500.00} Company Name : XXXX  XXXX - Account # : XXXX - Balance : {$11000.00} Company Name : XXXX - Account # : XXXX - Balance : {$750.00} Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/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 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX and DOGE improperly and illegally accessed my financial information through the student loans without my consent. They have no business in my business as a private citizen working to educate myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this issue, I request a thorough review of the documents I have provided so I can put this concern behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Want a detailed list of what exactly the mis judgement to attach or execute or levy bank account second time. In XXXX  years the judge was XXXX  and XXXX the original amount. No vitual or appearance for Arbitration was done, judgment was done.During pandemic, shut down, stay at home order no paper work or etc was delivered to reception XXXX XXXX. Costumer disputed since day one they used the stay home order at the time to gain judgement that they are still trying to excute .dates are to old for said credit card to collect. Pride last tranaction of physical card date...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I'm writing to formally dispute the Inaccurate and unverifiable information appearing on my credit report as per rights under the FCRA. As Experian has repeatedly failed to comply with their legal obligations to properly investigate and remove Inaccurate information. Specifically violating the following, Per 15 U.S. Code 1681e ( b ) failure to maintain the accuracy of my credit report. Per 15 U.S. Code 1681s-2 negligence in ensuring data furnishers must only report accurate and verifiable information. These accounts XXXX  XXXX XXXX reflecting charged-off with a past due balance of {$670.00} and XXXX XXXX XXXX charged-off with a past due balance of {$2300.00} were not properly validated. And I request immediate verification of all details under the FCRA section 611 ( 15 U.S Code 1681i ) If it can not be verified in compliance with federal regulations, it must be removed immediately. And under the FCRA guidelines, if a creditor reports an account as a charge-off, the balance should be reported as {$0.00}. If it was sold to a third party or no longer owed directly to the creditor. I demand a correction or immediate deletion if the accounts can not be validated accurately.

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 2025-03-12 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I sent {$500.00} on XX/XX/year> via a chime checking account to someone claiming to be a detective with law enforcement. Upon speaking with law enforcement today, they stated that no detective will request funds be sent via phone. I spoke with Chime on XX/XX/year> and they stated they can not reverse the payment because the payment had already cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed multiple collections on my credit report through experian. I have over 4 disputes for the same property, XXXX XXXX  XXXX for {$380.00}. They stated I must pay XXXX to remove it. I have one for {$430.00} for the pencial factory after an apartment was leased and taken back within 24 hours. I also have one for XXXX for XXXX XXXX  XXXX after being charged after I stated I no longer wanted to continue the application and to cancel it within 24 hours of me applying. The fine print in their lease stated I would not be charged, but I was, anyway. I also have emails.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Under 15 USC 1681 my info was exposed to a data breach all accounts need to be updated immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I am reaching out with frustration and urgency regarding errors on my credit report that I can no longer ignore. These inaccuracies have severely impacted my credit score, limiting my financial opportunities and making it difficult to move forward. It is unacceptable that incorrect information is standing in the way of my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
cashapp was closed XXXX of XXXX  and i was never given a reason why, Ive disputed on the app and i can never get a direct answer from anyone, Ive emailed and even called and they always tell me my account cant be reopen but they never say why!!!! They closed it after i made purchases off of XXXX  for XXXX  XXXX  sales, Ive explained this over and over and again and almost 3 years later i have yet to get my account back open or anyone explain what i did to have it taken from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
Firstly, I was double charged by XXXX and I told them about and they said it was because a reverse payment in XXXX. Remind you its XXXX. They also charge me a late fee. I told them I will not be paying for. Mind you Ive been a loyal customer of two years, never missed a payment, I actually paid the bill that was due in October, I just would pay the double charged. I called to talk to a manager, got a hold of her, and was told that Id receive a call to fix it, never got the call. Then I messaged customer service. They agreed that I shouldnt have been charged, but that I still had to pay it. I told them im not paying the XXXX charge or the late fee. So they dropped the late fee. But still tried to make me pay the double charge. I told them I wanted to cancel my line because of the lackluster support. It was all about money and not customer loyalty. So they dropped the line. Never told me Id have a debt collector harassing everyday asking for money, or that Id need to pay anything before dropping said line. They sent my rerun papers and that was the end of that. Now my credit score has dropped XXXX XXXX  because of this falsity and lack of communication. They also asked me to talk with my bank and my bank said they saw nothing on there side of a reverse payment. This should have been a dispute between XXXX and my bank, but no the easier route is to pick on the loyal customer and force money from the when theyve paid every month on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-13 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I am fling a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation Financial Protection Act ( CFPA ), 12 L S 5536 ( aX1 ) ( A ) - ( B ), as highlighted CFPB 's recent administrative proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I took action to correct my Experian credit report by sending certified mail to Experian, XXXX XXXX  XXXX, XXXX, XXXX  XXXX on XX/XX/year>, XX/XX/year> and XX/XX/year>, disputing several unauthorized entries, and demanding proof of their legitimacy. 

Accounts on dispute : XXXX - XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation