vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
I am filing this complaint to formally dispute and demand the immediate deletion of a fraudulent account that has been wrongfully reported on my credit file.The account identified below is not mine and was reported without permissible purpose, constituting a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.I have already submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) regarding this matter. Under 15 U.S.C. 1681c-2, once a consumer provides an FTC Identity Theft Report, credit reporting agencies are legally required to block and permanently remove the disputed account ( s ) from the consumers credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By continuing to report this account after receiving my FTC Identity Theft Report, the credit bureau is in violation of the FCRA and is causing ongoing and irreparable harm to my credit reputation and financial standing.

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union has failed to properly investigate and resolve unauthorized debit card transactions on my account, as required under Regulation E ( 12 CFR 1005.11 ). 

I first reported the fraudulent/unauthorized charges in XX/XX/year>. Despite repeated attempts via phone and secure messages, Navy Federal delayed acknowledgment of my claims until XX/XX/year>, nearly three months later. This delay is unreasonable and inconsistent with Regulation E, which requires investigation within 10 business days ( or 45 days with provisional credit ).

Furthermore, I have repeatedly requested copies of documentation, internal notes, and merchant responses used to deny or evaluate my claims. Navy Federal has refused to provide this, citing proprietary information, even though Regulation E requires institutions to provide documentation relied upon when denying a claim.

Issues with Navy Federals handling : 1. Delayed investigation Claim not properly filed until XXXX despite XXXX reporting. 
2. Failure to provide documentation Multiple written requests ignored or denied.

3. Noncompliance with Regulation E timelines No provisional credit or timely resolution provided.

4. Failure in consumer protection obligations Continued stalling has forced me to escalate.

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 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
My Casapp account XXXX XXXXXXXX was closed with a remaining balance over {$200.00}. 
I contacted cashapp to tryna access the account they did resolve the matter after I had provided the necessary information in order to resolve the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Request for Deletion of Charge-Off Accounts I am writing to formally dispute the reporting of charge-off accounts on my credit file. Pursuant to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments, charge-offs are classified as canceled debt, which the IRS considers to be taxable income. 

As such, once a creditor has charged off or canceled a debt, it is no longer a collectible liability but instead becomes income for tax purposes. Importantly, income can not be reported on consumer credit reports, as credit bureaus are authorized only to report information about debts, credit obligations, and repayment history. Reporting income, particularly as a negative tradeline, is inaccurate, misleading, and not permissible under the Fair Credit Reporting Act ( FCRA ). 

Therefore, I demand the immediate removal of the following charge-off accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Charged Off ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Charged Off ), XXXX XXXX XXXX XXXX XXXX Revolving Charged Off XXXX XXXX XXXX XXXX XXXX Revolving  Charged Off ). 

Since these accounts are no longer valid debts and have been converted into income by IRS standards, their continued presence on my credit report constitutes inaccurate reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that all information in consumer files is accurate, complete, and not misleading. 

I expect these charge-off accounts to be deleted immediately and confirmation sent to me in writing. Please also provide me with an updated copy of my credit report reflecting these deletions. 

Thank you for your prompt 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 2025-09-28 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had six late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payment I've attached a copy of my report to this complaint on the following dates ( XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
There is an account on my credit and i have no recollection of this account. The name is very unfamiliar and they are trying to collect over {$2000.00} from me. This is very frustrating

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TOTAL MORTGAGE SERVICES LLC
State: CT

Complaint narrative:
We went into modification of our mortgage with Total Mortgage around XX/XX/year>. I have made * all my payments * as directed through the modification and have attached a screenshot showing this. They are not properly applying payments. We also signed off on a packet of paperwork " completing '' the modification in XXXXXXXX XXXX XXXX  but have not received any word on if it actually went through and in the meantime got a letter stating our mortgage was going to go up after our agreed upon new payment plan was {$1600.00}. 

So they took XXXX 's payment, applied it to XXXX and never credited us for XXXX and so forth as you can see in the attached screenshot. I have waited * VERY * patiently for them to fix this and have been promised that any late payments would be taken off my credit ( this was told to me verbally by several different agents over several different calls ). 

This will be my first stop. My next stop will be a call to the CT Attorney Generals office, the FTC and a lawyer. I will have an attorney subpoena the calls if needed, then sue them in court for mortgage fraud, damages, and move to get the entire mortgage forgiven as they have not updated anything in our online portal with the new amount of {$160000.00} owed or reached out or communicated in any way SINCE we have signed those documents. I got XXXX sloppy letter stating they are " reviewing '' my account ( and it wasn't even certified ). 

As you can see, they have not applied any payments to the statement attached and are stating I am now 107 days behind - except you can clearly SEE every payment I have made. I have not made this months payment and plan to do so tomorrow because I was waiting to see what * THEY * are going to do. Now that I know they are trying to be deceiving ; I will be looking into starting a case against them proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
recently review my credit report and noticed that a fraudulent account was reporting. please delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX Experian Information Solutions , Inc. 
XXXX XXXX  XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX  XXXX, PA XXXX Re : Formal Final Notice of Dispute Pending Attorney Action To Whom It May Concern, This letter serves as final notice regarding my numerous disputes sent to your agencies concerning inaccurate, incomplete, and fraudulent information reported under my consumer credit file. I have sent each agency over ten ( 10 ) certified dispute letters providing : Proof of identity theft Proof of my legal identity Metro 2 compliance requirements demonstrating the reporting violations Despite my repeated submissions, your responses have falsely stated that the information has been verified as accurate. This is knowingly untrue and constitutes continued violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards.

Further : FCRA 611 ( 15 U.S.C. 1681i ) requires a reasonable investigation of all disputes. Your repeated verified responses without proper reinvestigation are in violation. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishing inaccurate information to CRAs. By continuing to publish disputed and false information, you are knowingly complicit in violations.

FDCPA violations apply to any third-party collection items you continue to report that can not be validated as required under 15 U.S.C. 1692g.

Metro 2 standards mandate proper coding of disputed and identity theft accounts, which you have failed to follow. 

I have already consulted with legal counsel regarding these matters. Unless you fully address and resolve ALL prior disputes within seven ( 7 ) days of receipt of this letter, I will be signing over all records of my disputes, proof of your violations, and proof of my certified mailings to my attorney for immediate legal action. 

Be advised : continuing to publish knowingly false and inaccurate information after being provided notice constitutes willful noncompliance, entitling me to statutory damages, actual damages, and attorneys fees under FCRA 616, 617 and related statutes. 

You are hereby on notice. I expect prompt correction, deletion, and a full investigation in compliance with federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Motion to Compel Arbitration California XXXX XXXX XXXX XXXX Midland credit management Inc. 
Plaintiff Case number XXXX DEFENDANTS MOTION TO COMPEL ARBITRATION AND TO STAY PROCEEDINGS come now, the defendant XXXX XXXX and I respectfully move this court to compel arbitration and to stay these proceedings pursuant to the federal arbitration act ,9 U.S.C . SS 1 16, and in support thereof state as follow : 1. Plaintiff Midland credit management Inc. has filed this lawsuit to collect an all large debt purposely arose from a credit card account issued by original creditor XXXX 2. The original credit card agreement governing the account contain a valid and enforceable reputation clause 3. This Arbitration clause covers any dispute or claims arising out of or related to the account, including those related to collection of the alleged debt 4. The federal arbitration act ( FAA ) applies to disagreement as the transaction involves XXXX XXXX 5. The plaintiff is attempting to enforce rights arising from the original credit agreement, and is therefore bound to the arbitration clause pursuant to equitable estoppel and applicable case law 6. Defendant elects arbitration for someone to the term of the credit agreement and has initiated ( or will initiate ) arbitration in accordance with the agreement 7. In light of the valid in binding arbitration agreement this court should stay proceedings and compel arbitration under the FAA.

Wherefore, defending respectfully request that this court. Compel arbitration or plaintiffs claims pursuant to the terms of the credit agreement. Stay all proceeding in this matter, pending the outcome of arbitration.

. And grant such other and further relief as the court deems just and improper. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed inquires that I did not authorize. I filed a police report as well as an FTC report. Please remove these inquiries.

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 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Hi, I am writing to get assistance in response to a collection account that was reported to the credit bureaus under my name. I do not recognize this account and have no knowledge of any outstanding debt with the agency. 

Halsted Financial Services is th company that is contacting me regarding a bill from XXXX XXXX Bank for the amount of {$460.00} A detailed explanation or documentation showing that I am legally obligated to pay this debt to Halsted would be greatly appreciated. 

A copy of the original agreement or contract bearing my signature ( if applicable : Until this information is provided I ask that they Cease all collection efforts.Refrain from reporting or remove any existing entries from my credit report with all credit bureaus ( XXXX XXXX XXXX ). 
If this debt is not validated within 30 days, I will consider the matter closed and request that you cease collection and remove any negative marks from my credit report. 

Please respond to this request in writing. This letter is not an acknowledgment of any debt, and any attempt to collect a debt without proper validation is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information being reported on my TransUnion credit file in violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) and Section 611.

The account in question is : - Creditor Name : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Status : Closed, balance {$0.00}. 
TransUnion is reporting a 30-day late payment in XX/XX/year> on this account. However, my reports from XXXX  and XXXX  do not show this late payment or any derogatory status for this account. This proves TransUnions reporting is inaccurate and inconsistent across credit bureaus.

Under the FCRA, consumer reporting agencies must ensure the maximum possible accuracy of the information they maintain ( 607 ( b ) ) and must correct or delete information that can not be verified ( 611 ). Since XXXX  and XXXX  report this account without a late payment, and TransUnion is the only bureau showing otherwise, I request that TransUnion : 1. Conduct a full reinvestigation of this account, including proper verification with the furnisher.

2. Remove the inaccurate 30-day late payment notation immediately if it can not be fully verified with documented evidence.

3. Provide me with a corrected copy of my credit report once this reinvestigation is complete.

I am enclosing copies of my XXXX  and XXXX  reports that confirm this late payment is not being reported by the other bureaus.

If TransUnion continues to report this inaccurate late payment without sufficient verification, it will be considered a willful violation of the FCRA. In that case, I will file a formal complaint with the CFPB and pursue all available remedies under federal law.

Please respond to this dispute in writing within the 30-day timeframe required by 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 explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Subject / Title : Inaccurate Credit Reporting & Failure to Remove Disputed Tradeline Private Student Loan Account ( Firstmark Services / XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ca XXXX Account / Loan Information : Original Lender : XXXX XXXX ( private student loan ) Servicer / Collector : Firstmark Services Account Number / Reference : XXXX ( or other identifiers you have ) Date of Default / Referral : XX/XX/XXXX ( or the date given ) Complaint Description : I am submitting this complaint because Firstmark Services is continuing to report inaccurate and misleading information about my private student loan on my credit file. Although I disputed this account in writing ( in XX/XX/XXXX ) and they responded, they have failed to correct the reporting. The account is being reported as open with a balance owed, which is false given that it was referred to collections. This misreporting is damaging my credit and violates the Fair Credit Reporting Act ( FCRA ).

Specifically : -The account is not an open credit account its in collections.

-The status being reported is inaccurate and misleading.

-Firstmarks validation response did not justify continuing to report it in that manner.

-I have repeatedly demanded deletion or correction, but the improper tradeline still appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
A complaint against American Express regarding their ongoing and improper handling of a XXXX XXXX Credit Card account that was opened under XXXX XXXX  of XXXX XXXX  while I was serving as the XXXX XXXX. 

IN my role as XXXX XXXX, I opened an American Express XXXX XXXX XXXX to cover monthly operating expenses for the organization. While the card was connected to the nonprofits operations, I was required to provide my Social Security number to establish the account. Importantly, this was always understood to be a company credit card, used exclusively for XXXX business purposes and not for my personal benefit. 

When my tenure with XXXX concluded, I followed XXXX XXXX guidance and closed the account in accordance with their procedures. At that point, the debt associated with the card was the responsibility of the organization, not me personally. The current XXXX board has since declined to pay the outstanding balance. 

Despite this, American Express representatives have repeatedly contacted me directly, pressuring me to make payments on this corporate debt. Initially, I was told I was not personally responsible for the debt. However, more recently, I received threatening calls from American Express agents, warning that my personal credit would be negatively affected unless I made payment within the next month. This directly contradicts their earlier statements. 

In addition to harassing me, American Express has contacted members of my familyspecifically my wife and my sonwho have absolutely no involvement with the XXXX credit account. 

To summarize : The account was opened in the course of my duties as XXXX XXXX of XXXX XXXX  of XXXX XXXX. The XXXX due is about {$16000.00} I used my Social Security number only because it was required to establish the company card, but the card was strictly for organizational use. 

I closed the account upon leaving my position, per XXXX XXXX direction. 

American Express first stated I was not responsible for the remaining debt but is now threatening my personal credit standing. 

American Express has harassed my family members who have no connection to the account. 

They call once a day, sometimes even more often. XXXX week ago, they called my son and my wife back-to-back on their cell phones.

Company response to consumer: Closed with explanation