vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Subject : Complaint Regarding Fraudulent Credit Card Account Reporting in Violation of FCRA I am filing a complaint because a fraudulent credit card account is being reported on my credit file, Citibank cbna and/or credit reporting agencies have failed to properly investigate and correct the information as required by law. 
XXXX. Summary of the Issue A credit card account that does not belong to me is appearing on my credit report. 
The account is fraudulent and was opened without my knowledge or authorization. 
Creditor/Furnisher Name : Account Number ( last XXXX digits ) : Credit Bureau ( s ) Reporting It : XXXX / XXXX / XXXX XXXX. Actions Taken to Resolve the Issue On the following dates, I disputed this account as identity theft/fraud : Date : Submitted dispute to ( XXXX/XXXX/XXXX ) XXXX XXXX Date : Submitted dispute to the Citibank cnbc XXXX XXXX Attached identity theft affidavit / police report ( if applicable ) Submitted supporting ID documents Despite this, the account remains on my credit report or the creditor continues to verify it. 
XXXX. Violations of Law I believe the furnisher and/or the credit bureaus violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Regulation V, including : FCRA 602, 603 Right to accurate, fair reporting FCRA 605B Blocking information resulting from identity theft Requires credit bureaus to block fraudulent info within XXXX business days after receiving an identity theft report. 
FCRA 611 Duty of the credit bureaus to conduct a reasonable reinvestigation Bureaus must investigate disputes and delete unverifiable information. 
FCRA 623 ( a ) ( 6 ) Furnisher can not report information it knows or has reason to know is fraudulent Once notified of identity theft, the furnisher must stop reporting the account. 
FCRA 623 ( b ) Furnisher must conduct a reasonable investigation after a dispute Failure to properly investigate is a violation. 
FACTA ( Identity Theft Prevention ) Requires enhanced procedures for identity theft victims. 
XXXX. Harm Suffered This fraudulent account has caused : Lower credit score Denied credit / higher interest rates Emotional distress

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am disputing the validity and accuracy of a debt that Upgrade , Inc. claims is owed under the above account number. I received notice that I allegedly owe a balance, but Upgrade has not provided adequate documentation or verification to prove this debt is legitimate, accurate, or collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

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 ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-12-01 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: MD

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-12-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: IL

Complaint narrative:
I have been dealing with Cash app for almostXX/XX/XXXXyears. Trying to figure out why my card was deactivated, and they will not allow me to have a new one. They can not give me an actual reason for this they just continue to say that I violated some sort of terms. They can not tell me what terms I have violated. They can not give me any details. I have read through the details of their terms, and I do not believe I have violated any terms or that they have any reason to suspect that I have although Ive been dealing with this for XXXX years literally Im on the verge of closing my cash app account literally just because I can not use the card over the years I have gotten multiple tax returns deposited onto this account tons and tons of payroll deposits on this account and I have used it for its intended purposes. only this is a violation of my rights. This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I refinanced a vehicle loan with Navy Federal Credit Union as a secured auto loan at a contracted APR of XXXX %. Under the Promissory Note and Security Agreement, I was required to provide a certificate of title showing Navy Federal as first lienholder within XXXX months. Due to delays outside my control during lien release from the prior lender and title processing by the state, the updated lien-recorded title was not immediately available. Navy Federal received recorded proof of lien on XX/XX/year>. 

Without any signed amendment to the Promissory Note, Navy Federal retroactively converted my loan to an unsecured personal loan APR and retained all excess interest charged during the period classified as unsecured. I formally disputed this conversion and requested : A contractual basis for the APR change, A full audit of excess interest, Retroactive correction of all excess interest back to principal, A corrected amortization schedule. 

Navy Federal responded only with policy language and refused retroactive correction, despite producing no signed contractual authorization allowing permanent retention of excess interest. No amendment to the executed Promissory Note or Security Agreement was ever provided or agreed to by me. 

I am disputing the permanent retention of excess interest charged under an unsecured APR that was not authorized by contract. I am requesting that all excess interest be retroactively applied to principal and that the loan be corrected to reflect the original secured APR for the full life of the loan as executed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NV

Complaint narrative:
I am writing to dispute several accounts listed on my credit report. I believe that the information reported is inaccurate and should be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute, separated by bureau. 

CHARGED OFF XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX LATE XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Repeating phone calls excessive XXXX times of the day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DynaGen Lending, LLC
State: CA

Complaint narrative:
XXXX  loan process I was told that I would pay upfront the appraisal fee and it would be reimbursed back onto my credit card.It has yet to be refunded back to my card.I called and contacted the company.They said that it was applied as a credit on the closing docs, but it wasn't I reached out several times. I reached out to the XXXX  of the company and he asked me to provide my address and he would take a look and get back to me on XXXXIt is now XXXX  the following week.And he has yet to reply to any of the messages.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
There are few problems. XXXX, they hound me with phone calls and text messages all day and night. I get XXXX per week for the last few months. The amount showing on their website ( the XXXX and only time I could get access ) is about {$900.00} more than what is showing on my credit report. My credit report shows {$700.00}. That is unchanged. Their website shows {$1600.00} and some change. I have not been able to log back into their website to see any updates, yet they still call, text, and harass me for money. 

The calls come from Wakefield and Associates. They use multiple numbers. I get calls and texts between XXXX am and XXXX pm. They've threatened legal action. 

I know what this debt is for, but my issue is what the debt is. I have another debt I've been slowly paying off for the same hospital ( XXXX XXXX XXXX ) that totaled originally at {$3300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I am disputing the following items on my Experian credit report. These accounts may contain inaccurate or unverifiable information. I request that Experian conduct a full investigation under the FCRA. 

CHARGED OFF XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX BANKRUPTCY, XXXX, XX/XX/XXXX, XXXX Please provide validation of the information on these accounts, including confirmation of account balances and proper documentation. 

LATE PAYMENT XXXX XXXX, XXXX Please verify the late payment history for this account and correct if 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 explanation
Consumer complaint received 2025-12-01 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in XXXX XXXX XXXX XXXX XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 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: LA

Complaint narrative:
I am a documented victim of identity theft. My Social Security number was compromised in a confirmed data breach ( Experian/XXXX XXXX ), and criminals subsequently opened fraudulent accounts in my name without my knowledge or authorization. 

FTC Identity Theft Reports Filed : FTC Report XXXX XXXXXXXX ( filed XX/XX/year> ) FTC Report XXXX XXXXXXXX ( filed XX/XX/year> ) FTC Report XXXX XXXXXXXX ( filed XX/XX/year> ) These reports clearly document the identity theft and identify the fraudulent accounts now appearing on my credit file. 

Fraudulent Accounts Reporting on My Equifax File : XXXX XXXX XXXX XXXX XXXX Secured Card ( Account ending XXXX ) opened XX/XX/year> XXXX  XXXX XXXX ( Account ending XXXX  ) opened XX/XX/year> XXXX XXXX XXXX ( Installment account ) opened XX/XX/year> I did not apply for, authorize, or benefit from any of these accounts. 

Impact : These fraudulent accounts are lowering my credit score, harming my creditworthiness, and misrepresenting my financial history. 

XXXX  Failure to Comply With XXXX  Law : I submitted my FTC Identity Theft Reports, identification, and supporting documentation to Equifax, requesting an identity-theft block under FCRA 605B . Despite this, Equifax has not blocked these accounts within the required statutory timeframe, has not removed them, and has not completed a compliant reinvestigation under 611.

Manual Review Required : Identity theft cases under 605B are not suitable for automated XXXX processing. My dispute includes identity theft reports, supporting documentation, and statutory requirements that require direct human review by XXXX fraud and compliance personnel.

I request CFPB intervention to ensure Equifax complies with 605B and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am disputing inaccurate, incomplete, and unverifiable information reported by Experian in violation of the Fair Credit Reporting Act ( FCRA ), Sections 602, 609, and 611, and METRO 2 reporting standards. Experian has failed to ensure the maximum possible accuracy and completeness of my credit data. Under Section 611, unverifiable information must be deleted promptly. I demand immediate investigation and deletion within four ( 4 ) days.

1. I was never late on the payment and here I can see 30 days late payment being reported. 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Please correct/update this account from my credit report.

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 2025-12-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was used without my permission to purchase {$760.00} worth of XXXX XXXX  deliveries on XX/XX/XXXX. I disputed the claim on XX/XX/XXXX when I woke up the next morning. XXXX eventually denied the claim which prompted me to call back and have the case reopened. I do not use XXXX XXXX. I am however an active user of XXXX  which is clear upon checking my statements. I was told that the case would be reopened but there is no correspondence in regards to an opening and according to the app I do not have an open claim. I tried reaching out to XXXX  but it is incredibly difficult when you do not have an active account with them as they do not have a way to reach support for non members. I am requesting that my money be refunded as soon as possible as I did not authorize any of the XXXX  XXXX charges on my card.

Company response to consumer: Closed with explanation