vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XX/XX/year> : Checking account froze, credit card account charged off XX/XX/year> : Active Foreclosure payment freeze, Debt-Credit checking line of credit freeze. 

Fourth frozen account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I receive several calls repeatedly back to back during the day while at work from OneMain Financial about repayment on a personal loan. Ive asked if they wouldnt call so many times in one day. These calls are threatening calls about the car I put up for collateral being repossessed and them taking 25 % from my check through garnishment. Ive had to block several numbers from this company because when Im at work and around patients and coworkers they can hear the conversation. OneMain has also allowed employees to reach out to me through Social Media. I did not consent to business matters been sent through XXXX messenger.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I have tried several times to resolves this misunderstanding including dealing with several different companies for one alleged account. According to FDCPA, US Codes 1692c, 1681e ( b ), 1681e ( d ), violates my rights as a consumer and correct reporting to credit bureaus. This company is violating my credit worthiness, credit standing, reputation, character and mode of living. This reporting has led to job loss creating unfavorable living conditions as well as an invasion of privacy. Please remove from my credit report as this is not my account and several collection practices have been violated by several US Codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon review of my credit report I noticed that there are multiple names and addresses reporting. I've tried to have the incorrect information deleted with no results. I would like to have the following names deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Along with the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching 2 forms proof of identity & proof of address

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 2025-04-20 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: NY

Complaint narrative:
On XX/XX/year>, I sent a certified dispute letter to Experian regarding multiple inaccurate, outdated, and unverifiable accounts on my credit report. I provided all required identifying documents and formally requested the Method of Verification for each account, including the name and title of the verifier, method used, and copies of any original signed contracts ( wet ink signatures ) as required under FCRA 1681i and 1681s-2 ( b ).

The accounts I disputed included : XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX Account ending in XXXX Two secured credit cards reporting charge-off status ending in XXXX and XXXX Each of these accounts is currently being reported as both charged off and in collections, which is contradictory, misleading, and unlawful. According to IRS regulations, if a Form 1099-C was issued by the furnisher, the debt is considered forgiven and can not be legally collected or reported. If no 1099-C was issued, the charge-off status is misleading. I requested verification of this in my dispute and received no documentation. 

On XX/XX/year>, Experian responded via email with a vague statement that they could not honor a portion of my request. They failed to identify which items they reviewed, did not provide any documents, and ignored my request for verification entirely.

I am requesting that the CFPB investigate Experian and the data furnishers listed above for : Reporting contradictory account statuses ( charge-off and collection ) Failing to verify account accuracy per FCRA 1681i Continuing to report balances that may have been forgiven ( 1099-C ) Failing to provide documentation or remove inaccurate accounts These actions violate my rights under FCRA 1681i, 1681s-2 ( b ), and GLBA 6802. I request the removal of all unverified accounts, disclosure of the verification method, and enforcement of penalties for continued noncompliance.

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 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
I am a veteran with XXXX XXXX XXXX XXXXXXXX ( XXXX  ), and under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  program, I am eligible for student loan forgiveness. As a XXXX veteran, my student loans should have been XXXX in full due to my eligibility. I have submitted the necessary XXXX  discharge form to the relevant authorities, and the loan should have been relieved as part of this program.

However, despite my eligibility and submitting the required documentation, the loan balance remains unresolved. In fact, the balance has even increased, and there is now an outstanding balance from a school that I did not attend, nor did I sign for any loan from that institution. I have already tried to resolve this issue by submitting the XXXX  form to the school, XXXX XXXX , which received the documentation confirming my eligibility for discharge. Unfortunately, despite these efforts, the balance from XX/XX/year> of {$3200.00} remains and is still being reported as a liability.

Despite my eligibility and submitting the necessary documentation, the loan balance remains unresolved. In fact, the balance has increased, and now there is an outstanding balance from a school that I did not attend, nor did I sign for any loan from that institution. I have made several attempts to
resolve this issue by : Submitting the XXXX  form to the school in question, which acknowledges the discharge process and my eligibility for student loan forgiveness.

Contacting the loan servicer to ensure that my XXXX  discharge status was updated and that the loan balance would be discharged, but the issue persists.

Following up with the Department of Education to verify the discharge status and ensure that all necessary steps had been taken.

I am requesting immediate action to rectify this issue. The loan discharge under the XXXX  program should have been applied, and I should be relieved of any obligation related to this debt. I need this balance removed and all records updated to reflect my XXXX  status and student loan discharge. This ongoing issue is causing significant stress and financial hardship, and I seek urgent resolution

Company response to consumer: Untimely response
Consumer complaint received 2025-04-20 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: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
Complaint Summary : I financed laser hair removal services through Cherry Technologies ( Loan ID : XXXX ), for a contract with XX/XX/XXXXXXXX. The business went bankrupt after providing only 9 of the 48 promised treatments. I have already paid {$1000.00} toward this contract.

Cherry denied my dispute and is now attempting to collect the full balance and threatening credit reporting. This is unfair, as the services were not rendered in full. I am asserting my rights under the FTC Holder Rule and FDCPA, and I am requesting loan cancellation and a refund for the overpaid amount.

I am attaching my formal dispute letter, my contract, loan agreement, and proof of payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On or around XX/XX/year>, a collection account from XXXX XXXX was reported to my credit report with a balance of {$4100.00}. I have disputed this account multiple times with all three credit bureaus under the Fair Credit Reporting Act. Despite marking the account as disputed by consumer, no validation or proof of the debt has ever been provided. I have not received a breakdown of the charges, a signed agreement, or proof that the debt was legally sold or transferred to a third party. Under FCRA 611 and 809 of the Fair Debt Collection Practices Act, this debt must be verified or removed. This unresolved and inaccurately reported collection is damaging my credit unfairly and must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX BALANCED {$76.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-21 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: CA

Complaint narrative:
I am appreciative of your attention to this matter and look forward to a swift resolution within the stipulated timeframe. Your cooperation in this regard not only safeguards my financial standing but also upholds the integrity of the credit reporting system as a whole. Thank you for your understanding and prompt action on this matter. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I am appreciative of your attention to this matter and look forward to a swift resolution within the stipulated timeframe. Your cooperation in this regard not only safeguards my financial standing but also upholds the integrity of the credit reporting system as a whole. Thank you for your understanding and prompt action on this matter. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XX/XX/year>

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 2025-04-21 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: IL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I have tried several times to resolves this misunderstanding including dealing with several different companies for one alleged account. According to FDCPA, US Codes 1692c, 1681e ( b ), 1681e ( d ), violates my rights as a consumer and correct reporting to credit bureaus. This company is violating my credit worthiness, credit standing, reputation, character and mode of living. This reporting has led to job loss creating unfavorable living conditions as well as an invasion of privacy. Please remove from my credit report as this is not my account and several collection practices have been violated by several US Codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act SYNCB/CARE CREDIT XXXX * * * *, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

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 2025-04-20 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: IN

Complaint narrative:
This is my first dispute regarding a closed account from XXXX XXXXXXXX XXXX XXXX, reported by TransUnion on XX/XX/year>, with a balance of {$240.00} and listed as closed by credit grantor. 

Im requesting verification under FC

RA 609 ( a ) ( 1 ) and 611 ( a ) ( 7 ), including original documents used to verify the account and balance. No documentation has been provided. If TransUnion can not verify the account with proper evidence, Im requesting its removal 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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Constant calls from portfolio recovery, all times of day and night. I have asked repeatedly for them to stop calling but they will not. I have blocked many of their numbers but their numbers keep changing with each call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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