vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
New card used on XX/XX/XXXX and bought on XX/XX/XXXX was declined. Called in and told it was locked. Please unlock card as I have sent all documenation to XXXX but I have not received a confirmation email. Case is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint because NAVY FEDERAL CR UNION is reporting an account under my name that I do not recognize. I have no knowledge of this account and did not authorize anyone to use my personal information to open or create it. I have never received any services, funds, or benefits of any kind related to this account, nor have I had any financial or personal connection to it. It appears that this may be a result of identity theft or a reporting error. I request that NAVY FEDERAL CR UNION provide full validation of this alleged account and immediately remove any inaccurate or fraudulent information from my credit report. I have already taken steps to protect my identity and filed an identity theft report with the appropriate authorities. Please investigate this matter and ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are upheld.

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 2025-10-29 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

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 2025-10-29 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:
Can you review this line item? It looks delayed and likely in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

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, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I applied for a position on XXXX with a company called XXXX XXXX XXXX XXXXXXXX. After a brief interview process, I was sent a check for {$4900.00}, which they claimed was to cover the cost of my work equipment. I deposited the check on Tuesday, and the funds appeared in my account by Wednesday. I was then instructed to send payments through XXXX XXXX to a supposed salesperson for the equipment after I was unable to complete a wire transfer as they initially requested. 

Shortly afterward, TD bank ( the bank I use ) flagged the check as fraudulent but by that time, the funds had already been sent out. Believing this was a legitimate job, I had already submitted my two weeks notice at my current job, leaving me unemployed once I discovered it was a scam.

I filed both a police report and an FBI report documenting the fraud. The police officer I spoke with confirmed that, since the bank cleared the check, the bank should be responsible for the losses and related fees. Despite providing all of this documentation and evidence, the bank completely denied my fraud claim and refused to assist or reimburse the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am submitting this complaint because AFFIRM is reporting an account under my name that I do not recognize. I have no knowledge of this account and did not authorize anyone to use my personal information to open or create it. I have never received any services, funds, or benefits of any kind related to this account, nor have I had any financial or personal connection to it. It appears that this may be a result of identity theft or a reporting error. I request that AFFIRM provide full validation of this alleged account and immediately remove any inaccurate or fraudulent information from my credit report. I have already taken steps to protect my identity and filed an identity theft report with the appropriate authorities. Please investigate this matter and ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I received a letter from the FHA stating my house was in foreclosure. I had not gotten any other notices and Pennymac had locked me out of my account since XX/XX/XXXX. I had requested several times for them to reset my account login they said they did but it was never fixed. Until XX/XX/XXXX when I called them after getting the letter from the FHA. I asked Pennymac why they hadn't sent me anything and they stated they did electronically. But I had no access to it once I was able to go on my account they filed my loan in foreclosure on XX/XX/XXXX with XXXX XXXX stating I'm 8 months behind. That's beyond insane. They show I haven't made a payment since XX/XX/XXXX yet when I go through my account online they have misapplied my payments on 5 different occurrences posting the funds to my suspense account then two months later deducting them but never showing when they were applied to. Yet those funds should of been applied to three months of my payments. I sent a payment on XX/XX/XXXX through my bank they received the payment on XX/XX/XXXX and have yet to post the payment to my account ( which covers XXXX months of payments ) they haven't sent me the funds back either. I applied for a modification on XX/XX/XXXX they said they will get back to me with in 30 days and not to make a payment until XX/XX/XXXX. But on XX/XX/XXXX they charged my account a bunch of foreclosure fees. Yet under the receive the foreclosure is on hold and they aren't allowed to do that. They have also stated I've been short in my escrow account every year and increase my monthly payment to cover the shortages yet if they applied the payments correctly they wouldn't be short. My escrow account statement will show XXXX amount but the year end statement shows a different amount. They monthly statements show different amounts as well. They have randomly charged me late fees but aren't always consistent yet they have been charging me a XXXX inspection fee since XXXX of XXXX. How is that even legal. My house shouldn't be in foreclosure at all they have ruined my credit they won't fix my account they say they will have a manager contact me but I have yet to hear from one. This is just insane. And no one you talk to when you call can help you they give you the runaround and you get nowhere. I have faxed and uploaded statements that I color coded with all the mistakes they have made and to fix them and asked for a statement of my account for the last 24 months and they sent a letter 3 weeks later stating they don't understand my issues. I'm at a loss. They are foreclosing on my home illegally bc of their incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I HAVE VERIFIED MY RECORDS AND FOUND NO LATE PAYMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. I am submitting this request under federal law 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ). I provided my XXXX XXXX XXXX  documentation, proof of identity, SSN, and current address. Under these laws, TransUnion is required to block and permanently remove any information in my credit file that resulted from XXXX, coercion, or identity theft. The following items were created through coercion and identity misuse and must be blocked and permanently deleted from my TransUnion credit report. 

ADDRESSES TO DELETE : Incorrect Address - 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 - {$11000.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$610.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1200.00} These items are not mine and were created as a result of XXXX XXXX coercion, and identity theft. Under FCRA 605C and 605B TransUnion is required to block and permanently remove this information and ensure it does not return to my file now or in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, as I was in XXXX XXXX, XXXX dealing with my deceased mother 's affairs, I received a call on my cell phone that identified itself as my Chase credit card fraud department. I was asked various questions to identify myself as the card holder. I hung up when I began to get a weird feeling about the questions. 

I called my husband who told me to immediately call Chase to see if the call had come from them, and to report possible fraud if it had not. I called Chase fraud to report the incident. 

As I was speaking with Chase Fraud, they told me XXXX transactions had just taken place ... a {$500.00} ATM withdrawel and a {$3800.00} purchase from an XXXX store. Both occurred in XXXX XXXX. 

They assigned case numbers to both ( XXXX for the {$500.00}, and XXXX for the {$3800.00} ). I provided Chase Fraud with my plane tickets, hotel receipts and credit card charge information as evidence I was in XXXX. 

I have since been told by Chase they have closed the cases and can not assist me. I find this unreasonable as fraud protection is supposed to be a factor in using credit cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX 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
Consumer complaint received 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My XXXX XXXX  Student Loans were originated by Sallie Mae in XXXX and XXXX, later transferred to Navient XXXX XXXX XXXX  and now serviced by XXXX. Ive paid nearly twice the original amounts yet still owe nearly the full amount borrowed. The loans are high-risk, cosigned, and were more than XXXX  months delinquent prior to XXXX. I live in XXXX XXXX, which participated in the XXXX Attorney General settlement with Navient. 

On XX/XX/XXXX I contacted XXXX advocate office requesting written confirmation that my loans were reviewed for cancellation under that settlement. On XX/XX/XXXX I received a XXXX XXXX XXXX packet that was not applicable. I immediately clarified the error by email and asked for confirmation of AG-settlement review. XXXX acknowledged receipt but provided no case number, advocate, or written response after more than XXXX weeks. When I followed up by phone, the representative confirmed that I was not looking for a misconduct claim and advised me to contact the CFPB for resolution. 

Throughout the life of repayment, I was repeatedly placed into forbearance programs and temporary relief plans that caused interest to compound and capitalize, significantly increasing my balance despite continued payments. I believe these servicing actions and loan characteristics fit the criteria outlined in the XXXX AG settlement for review and relief. 

I believe my loans meet the criteria for review under the XXXX AG settlement and am requesting a written determination of eligibility or explanation of why they were excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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