vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
Complaint Summary : I am filing this complaint regarding a loan I previously received from XXXX XXXX XXXX in XXXX XXXX, XXXX. I defaulted on the loan, and they filed a lawsuit which resulted in wage garnishmentssometimes up to {$400.00} at a timeuntil the debt was fully paid. My name at the time was XXXX XXXX XXXX. XXXX is my married name. 

Although the loan has been completely satisfied, there is still a lien showing on the public record through the XXXX XXXX XXXX XXXX XXXX, which continues to negatively affect my credit report. 

I have attempted to resolve this matter by contacting : The local XXXX XXXX XXXX XXXX, The corporate/head office, and The Clerk XXXX XXXX XXXX 

The XXXX office informed me the XXXX was sent to an attorney, but I have not been able to reach anyone who can provide documentation or confirm the XXXX has been released. Despite the debt being paid in full, the XXXX remains active in public records and on my credit, which is unjust and damaging to my financial standing. 

This situation is causing undue hardship, and I am requesting the XXXX assistance in : Forcing XXXX  XXXX XXXX or their legal representatives to file the proper documentation with the XXXX XXXX XXXX to release the XXXX, and Having the XXXX removed from my credit report since the debt has been satisfied. 

I am happy to provide any additional documentation required, including proof of garnishment and payment if needed. 

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the following accounts with Trans Union and all came back verified. I then requested the method of verification because I disagreed with their investigation as there are still inaccuracies. The representative that I spoke with declined my request for the method of verification and was told that I had to file a complaint in order to get the method of verification. Per the FCRA it is TransUnions obligation as their investigating disputes to confirm and provide documentation since I requested it that all items are accurate 100 % accuracy.. They have denied me my right. If they can not prove 100 % accuracy after their investigation, then I demand these accounts be removed off my report immediately. 

Item : 2 accounts for XXXX XXXX XXXX XXXX Investigation Result : VERIFIED AS ACCURATE AND UPDATED The disputed item ( s ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE and made some updates. 

Item : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Investigation Result : VERIFIED AS ACCURATE AND UPDATED The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE and made some updates. 

Item : XXXX, XXXX and XXXX # XXXX Investigation Result : VERIFIED AS ACCURATE AND UPDATED The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE and made some updates. 

Item : XXXX XXXX XXXX XXXX # XXXX Investigation Result : VERIFIED AS ACCURATE AND UPDATED The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE and made some updates. 

Item XXXX XXXX XXXX XXXXXXXX Investigation Result : VERIFIED AS ACCURATE AND UPDATED The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE and made some updates. 

Item : XXXX, XXXX # XXXX Investigation Result : VERIFIED AS ACCURATE The disputed item was verified as accurate. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE.

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 2025-05-21 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: MI

Complaint narrative:
Over 30 days ago I sent in a dispute letter to EQUIFAX, legally challenging to accuracy, ownership and reporting of accounts on my credit report. I provided them a copy of my pay stub showing my complete social secuirty number for Identification, my divers license verifying my current and only address. On XX/XX/XXXX the sent me a letter in the mail stating they had recived my requiest concerning inaccurate information but were unable able to locate my file in the database with my information provided. They are now asking for me to resubmit all the information to identify myslef and verify my address. This I believe is just a refusal to investigate and delay this process. Below are the accounts that I requested investigation XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX XXXX a charge of {$1800.00} was made to my Navy Federal credit card by XXXXXXXX XXXX XXXXXXXX without my knowledge or consent. The charge was made by an individual ( XXXX ) I was previously associated with, who used my card without authorization to pay rent at an address I am not connected to. 

Navy Federal denied my dispute by referencing a private loan agreement that does not mention my credit card, does not include merchant details, and does not grant authorization to use my account.

I have never lived at or applied to the rental property in question and have had no contact with the individual since her eviction. I submitted a formal statement and the loan contract as evidence, but Navy Federal refused to issue a provisional credit or reverse the charge.

This is a clear violation of Regulation Z protections for unauthorized use. I am requesting that the CFPB investigate Navy Federals failure to uphold federal consumer protections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am submitting this complaint regarding a serious issue involving the transfer of my mortgage servicing rights and improper communication practices by the new mortgage servicer. 
My mortgage was originally serviced by XXXX XXXX. Without prior notice or consent, the servicing was transferred to Freedom Mortgage. We were never sent any physical or digital communication from Freedom Mortgage notifying us of the transfer or providing information regarding where and how to make payments. 
The first communication we received from Freedom Mortgage was a statement notifying us that our account was already one month past due. This caused both confusion and stress, as we had no prior knowledge of the transfer or how to make timely payments. 
Upon further investigation, we discovered that XXXX XXXX  had issued an online-only statement regarding the sale of our mortgage. We were unaware of this notification. We also and later found that Freedom Mortgage had registered us for online statements without our knowledge or consent, and without collecting or confirming an email address from us. 
I was notified that this is a violation of our rights under the Real Estate Settlement Procedures Act ( RESPA ), which requires that borrowers receive proper notice of the transfer of servicing, including a Goodbye Letter from the prior servicer and a Welcome Letter from the new one, within prescribed timeframes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-21 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: NY

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested removal of derogatory items on my report. They say that I dont have an existing file. It is only fair that since I do not have a credit file for the reasons that they list, there is NO WAY that I should have derogatory items on there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I am a victim of identity theft and to request the immediate removal of fraudulent accounts from my credit report. I did not authorize transactions listed below, and I have no knowledge of the debts associated with them. XXXX. Creditor Name : XXXX XXXX Partial Account Number : XXXX Status : Charged Off Balance : {$40000.00} XXXX. Creditor Name : XXXXXXXX XXXX Partial Account Number : XXXX Status : Charged Off Balance : {$18000.00} These accounts were fraudulently created without my knowledge or consent. Please find enclosed the following documentation to support my identity theft claim : A copy of my government-issued passport A copy of a recent utility bill as proof of address A copy of the police report and/or FTC Identity Theft Report I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax 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 of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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 of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.

2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XXXX XXXX XXXX, I had just finished XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC. I was in the XXXX at the time, and so navy federal is my bank. 

I had went to subway and found my card declined. I checked my bank app and saw that all my money had been withdrawn, and that personal loans had been taken out in my name. 

I called my bank and told them which transactions were fraudulent. The total sum was around {$6000.00} or so I belive. It has been a few years since. 

After a week of investigation, they told.me it was my fault as the transfers and loans had been initiated from my account. That I had to have approved them. But that's not true. 

I did not know my access number, the bank had to tell me it. I did not know how to make loan applications. I was XXXX XXXX XXXX, and this was my first bank account. 

I simply want my money back. It's been XXXX  years, and I've had it investigated by XXXX. They had said it was a problem that was happening to many servicemembers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
So I had a prompt to get a pre approved Capital One XXXX XXXX. My credit was pulled which dinged my credit score, I completed and submitted the application and was approved for a card with {$350.00} limit. Card was sent via the mail and then 3 days later I got a notification that there were remarks added to my credit including an account closure which reduced my credit again. The new account which I hadn't even gotten the card for was on my credit as a closed account. I contacted customer service because not only did they close this account but closed my card that I already had with them that was in good standing. I asked to escalate to a management level because the rep said they could not do anything to help me and they could not provide a clear answer as to what happened and kept giving me the run around with different possible answers. I sent an email to corporate regarding this asking for help with a resolution and that was over a week ago with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In 2024, my U.S. Bank checking account was closed with notice while holding {$1000.00}. 
Shortly after, it was reopened with a {$0.00} balance saying that my informationwere up tp date that it was their mistake, and the funds were never returned. 

I called U.S. Bank numerous times over the past year, and every time I was told, the matter is being processed, or it's been sent to the right department, but nothing ever happened. All these calls were recorded, as stated by their own systems. 

After nearly a year, I physically went to the exact branch where I opened the account. There, they gave me an incorrect account statement claiming I had spent the money which contradicts both my own records and their earlier communications. They failed to acknowledge that someone may have altered or manipulated documents on their end. 

Only after I insisted, a staff member contacted the headquarters. It became clear they realized something was wrong but no one would admit it, and I was simply told they would call me back. 

U.S. Bank also sent me an indemnity form previously, acknowledging the issue. I still have those emails as evidence. 

This situation is unacceptable. If my funds had not been wrongfully taken, my account would never have been closed. I did nothing wrong, and Ive been treated as if I dont matter. This is not only unethical it may be illegal. 

Requested Resolution : I want U.S. Bank to : Immediately return the {$1000.00} that was in my account before it was closed Provide a full and honest explanation Release copies of the indemnity form and related internal records Apologize for the mishandling and delays

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 2025-05-21 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I had a charge of XXXX on my card for vitamins that I definitely did not order. Called the REVVI credit company and made a fraud complaint. 2 weeks to the day later a charge of XXXX ( Can not remember exact amount ) for a Female Electric Razor. I am Male and single at the time.

Called them again and made another fraud complaint. The guy I was finally transferred to said that the address of your card is your address so it was you that made the purchases. ( Which makes no sense, for the card was my address of course ) I assured him they were not mine and never received any such items. 
They turned off the card and never sent me a new one and I paid off the balance of things I did buy and they still would not listen to me. 
Need to get them to dispute this, follow up and clear me. 

Now they keep placing this on my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation