vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: IL

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

Company 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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union authorized or allowed the repossession of my fully paid-off vehicle, even though I possess the pink slip, never even did business/hear of them and owed no balance whatsoever. 

What Happened : - Navy Federal never notified me of any issue with my account - On XX/XX/year> around XXXX, my vehicle was taken from the front of my home without any warning by XXXX XXXX XXXX XXXX XXXX - No notices were sent before or after. No contact and I was forced to find out info - I was not behind on payments as the vehicle was fully paid. 
- On XX/XX/XXXX, went to XXXX to pay for release but they would not release it after I paid - On XX/XX/year> at XXXX, contacted Navy Credit Union and was transfer to the XXXX department at XXXX to get more information. XXXX ( Florida ) took my information and said that it was going to her supervisor. At XXXX XXXX asked for some additional document which were emailed. 

Why This is Illegal : - Navy Federal had no legal lien, no security interest, and no right to assign a repossession - If an error occurred, it is a major internal failure and resulted in the wrongful taking of my personal property- This constitutes : - wrongful repossession - Conversion - Violation of consumer protection and loan servicing laws - Failure to provide required notices What I Want the CFPB to Require : - Full investigation into Navy Federal 's authorization of this repo - Immediate release/ return of my vehicle- All records of any repossession assignment - Explanation of how a paid-off account generated a repo order - Compensation for damages and towing/storage fees- Confirmation the XXXX is removed from all internal records I certify this is accurate and request immediate review

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-09 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 filing this complaint regarding inaccurate and misleading mortgage credit reporting involving my FHA mortgage that was transferred between mortgage servicers. 

My credit reports show the same mortgage loan being reported twice, once under XXXX XXXX Mortgage ( XXXX ) and again under XXXX XXXX XXXX XXXX Mortgage. These tradelines share the same original balance, loan type, and origination date, confirming they represent XXXX single mortgage obligation, not XXXX separate accounts. 

Despite this, both tradelines are reporting derogatory late payment history for overlapping periods, including during the recognized mortgage servicing transfer grace period. XXXX tradeline shows the loan as transferred, while the other continues to report late payments for the same loan and timeframe. 

This has resulted in duplicate and compounding derogatory reporting, falsely inflating delinquency and materially misrepresenting my credit risk. This reporting is misleading, inaccurate, and not XXXX. 

I have already disputed this issue directly with the credit reporting agencies. Despite providing clear evidence that this is XXXX mortgage being reported twice, the inaccurate information has not been corrected. 

Reporting XXXX sets of delinquencies on a single transferred mortgage violates the credit reporting agencies obligations under FCRA 1681e ( b ) to ensure maximum possible accuracy, as well as the furnishers duties under FCRA 1681s-2.

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 2025-12-09 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: IL

Complaint narrative:
This account does not belong to me and is being reported incorrectly on my credit report. I have no knowledge of or responsibility for this account, and the information associated with it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
XXXX restricted my brokerage account and has held my funds for more than XXXX months with no explanation or follow-up. I confirmed my identity and compliance with their policies, but they will not release my money or lift the restriction. I need assistance to get my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXXXX/XX/XXXXXXXX Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Address - XXXX XXXXXX/XX/XXXX XXXX, XXXX, CA, XXXXXX/XX/XXXXThis inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed several fraudulent inquiries to my credit reports from the three credit bureaus. TransUnion requires a filing a complaint with the FTC in order to dispute false credit inquiries, so they sent me here.

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 2025-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed several fraudulent inquiries to my credit reports from the three credit bureaus. TransUnion requires a filing a complaint with the FTC in order to dispute false credit inquiries, so they sent me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 a verified victim of identity theft. I submitted a valid XXXX report and police report to this credit reporting agency and/or creditor disputing multiple fraudulent accounts and inquiries appearing on my consumer credit file. 

Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), I formally requested the mandatory blocking and permanent deletion of all information resulting from identity theft. This law requires credit reporting agencies to block such information within four business days of receiving an identity theft report.

I also requested complete verification of the disputed accounts, including original signed contracts, proof of my legal liability, full chain of title for any collection accounts, and a detailed method of verification as required under FCRA 611 ( a ) ( 7 ).

Despite receiving my identity theft documentation, the credit reporting agency and/or creditor failed to block the fraudulent accounts and inquiries, failed to provide the requested verification or method of verification, and continued reporting inaccurate information in violation of federal law.

This failure to comply with mandatory blocking requirements and verification obligations has caused ongoing harm to my credit profile and constitutes a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
date XX/XX/year> {$340.00} i am filling a complaint against affirm inc . regarding inaccurate and unlawful reporting of an account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
XXXX request documents to prove that Im the owner of my account! I did that, they denied it and suspended my account. I feel as if they didnt review my documents correctly! I have money in my account and they wont even let me transfer it out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
my idenity has been stolen i am being phyically harmed threw smart devices any account ive had r own has been taken over all 3 credit berus are ignoring me ive had backruptcy on my credit report loans grants refinace my reprts are being edited i cant do nothing im my phone everything gets edited this is coming from someone in the goverment i see it in my phone the logins every time i call the credit i get ask stuff i never heard of down to my mothers middle name being changed this has become a very dangers issue for me n my family my grandkids are suffering anyone around me im crying out for help ive tried to dispute some of the things i see in the reports i never get an answer i cant even see my credit reports ony hacked phone a hacker is not going to go to the point of messing with my wifi n all device in my home setting up cameras in my home im not that important i know to much and has seen to much and im trying to be stop i never get thr reports that so call get sent money is being taken from me then all evidence in my phone being edited

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 2025-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
my idenity has been stolen i am being phyically harmed threw smart devices any account ive had r own has been taken over all XXXX credit berus are ignoring me ive had backruptcy on my credit report loans grants refinace my reprts are being edited i cant do nothing im my phone everything gets edited this is coming from someone in the goverment i see it in my phone the logins every time i call the credit i get ask stuff i never heard of down to my mothers middle name being changed this has become a very dangers issue for me n my family my grandkids are suffering anyone around me im crying out for help ive tried to dispute some of the things i see in the reports i never get an answer i cant even see my credit reports ony hacked phone a hacker is not going to go to the point of messing with my wifi n all device in my home setting up cameras in my home im not that important i know to much and has seen to much and XXXX trying to be stop i never get thr reports that so call get sent money is being taken from me then all evidence in my phone being edited

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 2025-12-09 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Account : XXXX XXXX XXXX XXXX : {$500.00} LVNV Account # : XXXX I am submitting this complaint as a direct dispute to LVNV Funding LLC because my written Debt Validation ( DV ) and Cease & Desist ( XXXX & XXXX ) notices mailed on XX/XX/year> were not properly addressed. 

XXXX tracking confirms delivery of my dispute package. LVNV responded only to a portion of my Debt Validation request and provided incomplete and insufficient validation, consisting of internally generated summaries that are not original account records, statements, or proof of assignment. 

In addition, LVNV did not respond at all to the Cease & Desist notice that was included in the same certified mailing. 

Despite receiving my XXXX XXXX XXXX XXXX XXXX XXXX LVNV continued to report and update this account. My XXXX XXXX XXXX XXXXeports show furnishing activity through XX/XX/year>, all of which occurred after LVNV received my written dispute. 

I am submitting this as a formal Direct Dispute with the Furnisher under FCRA XXXX ( a ) ( XXXX ) because : LVNV failed to respond appropriately to my direct written dispute.

LVNV did not provide proper validation.

LVNV ignored my Cease & Desist notice completely.

LVNV continued furnishing information after receiving written dispute and cease notice.

I respectfully request that LVNV : Conduct a proper investigation as required under FCRA 623 ( a ) ( 8 ) Provide full validation of the account, if available Cease furnishing information that can not be verified Correct or delete this tradeline if it can not be validated I am filing this in good faith to ensure compliance with federal law. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
My Revolut account was suddenly restricted and access to my funds was blocked without any explanation. On multiple occasions, I contacted Revolut between ( XX/XX/year> ) and today. Every representative repeated the same response : your case is under review, we do not need more information, and there is no time frame. 

Revolut did not request any documents from me, did not provide the reason for freezing my account, and refused to give a timeline for when I can access my money again. 

I repeatedly asked for an explanation, a legal basis for holding my funds, or instructions on what documents they require. They refused to provide any answer or explanation. My money remains inaccessible without justification. 

I am requesting the immediate release of my funds and a clear explanation for this prolonged freeze, which has been implemented without proper communication or legal justification.

Company response to consumer: Closed with explanation