vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-09-24 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: PR

Complaint narrative:
I started making payments on this card shortly after it was issued, back in XXXX, XXXX. The minimum monthly payment increased as I used the card, based on the balance, which is common for most credit cards. But once the minimum monthly payment reached the amount of {$160.00}, it stayed at that amount, even when I did not use the card for several months to try and reduce the balance, expecting the minimum monthly payment to reduce as well, as it is common with most credit cards. This did not reduce the minimum monthly payment, it remained stuck at the same amount of {$160.00}. I contacted the company and was told that the minimum monthly payment will remain the same, {$160.00}, until I finished paying the balance. I checked the agreement and it did not mention any of this, and the company can not explain to me the reason for this ; why the minimum monthly payment remains the same and it will not reduce even if I do not use the card. I find this strange and unfair, and the amount is causing financial stress every month.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Navy Federal has repeatedly locked me out of my business and personal checking accounts, preventing me from accessing funds deposited from XXXX ( my business payment processor ). I verified my identity with XXXX and spoke with fraud representatives, who confirmed my activity as legitimate, but Navy Federal continues to hold my money and block my access.

These are standard business deposits and owner-draw transfers, not fraud. I was instructed to submit a written statement, which I did on XX/XX/year>, yet my funds are still frozen. I can not log in, see my balance, or use my account.

I believe I am being financially targeted and discriminated against due to my race/national origin and the success of my business. The ongoing holds are unjustified, harmful, and retaliatory.

I am requesting : 1. Immediate release of all funds and restoration of full account access.

2. Written confirmation that XXXX deposits and transfers from business to personal are authorized and expected.

3. Prevention of future unjustified holds.

4. Compensation for business losses caused by these freezes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
As a confimed victim of Identity theft due to XXXX  databreach, This debt is not mine. The reporting is impacting my emotional well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I lost my job and contacted Prosper multiple times requesting hardship assistance before my account became seriously past due.

Despite this, Prosper informed me they do not offer hardship plans for their credit card. Their customer service has been dismissive, and Ive received no meaningful help despite filing complaints. Their XXXX  responses are generic and unhelpful, and they have failed to respond to my prior CFPB complaint. instead of addressing my actual situation, showing a clear unwillingness to help struggling consumers. I get met with we will look into this further and then nothing becomes of it.

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 2025-09-24 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 the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of any fraudulent accounts found. I am also attaching my FTC report, formal dispute letter, and government-issued ID, SSN, and proof of address for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank
State: CA

Complaint narrative:
The reason for my complaint was that I received a credit card statement for an unknown charge. This has tremendously affected my XXXX XXXX. The statement didnt provide any information on why I had a charge when I had stopped using the credit card for over a year and half, so it seemed bizarre to me that I had a charge of {$140.00} when I clearly stopped using it. This company was a nightmare to get a hold off and on the third try, they notified me that they sold my debt to a debt collection agency. All I need for my XXXX XXXX to be restored immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX  XXXX ; XXXX XXXXXXXX & XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from 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 2025-09-24 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: GA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I XXXX request an extension. During this time, no information XXXX be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I XXXX request an extension. During this time, no information XXXX be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX the car was bought I never received a title or neither did the loan company for XX/XX/XXXX months I have had XXXX temp tags no one has received anything the car is having issues air conditioning and the module to turn the car into park and drive that was XXXX the title has been giving me run around I can not get plates or even know its registered I hope to resolve it ty

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regarding account XXXXXXXX XXXX XXXX I obtained a copy of my credit report in XX/XX/XXXX and noticed that this account contained inaccurate information. I asked Experian to do an investigation in XX/XX/XXXX to verify the accuracy of this account. Unfortunately, not only was the inaccurate information not removed, the account was updated to include even more inaccurate information. 
I asked Experian again in XX/XX/XXXX to verify the accuracy of this account, They claim they did, yet it still remains full of inaccurate information. Now I have no choice but to spend the next few days pointing out these factual errors, which will unfortunately for Experian prove to the CFPB that they are not verifying the accuracy of the information on this account as required by federal law under the FCRA. 
Therefore, I will begin by formally disputing the accuracy of the payment history of the XXXX XXXX XXXX account. 
In the payment history section of this account on Experian for the month of XX/XX/XXXX it shows charge off. In the payment history section of this account on Equifax for the month of XX/XX/XXXX it shows 60 days past due. In the payment history section of this account on TransUnion for the month of XX/XX/XXXX it shows repossession ( see attached documents ) Which one is right? This is clearly inaccurate information All three can not be true on the same account which is coming from the same source. This is against federal law under 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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to formally notify you that I refuse to pay the alleged debt you claim I owe. In accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you are hereby instructed to cease all further communication with me, except as explicitly allowed by law.

If you continue to contact me regarding this matter for any reason other than the exceptions allowed by law, I will report your actions to the Federal Trade Commission, the Consumer Financial Protection Bureau, and my State Attorney Generals office, and I will consider pursuing all available legal remedies. Listed account to be removed Creditor : Credit Coll account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXXXX/XX/year> : I never authorized these inquiries. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX OF XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX  XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX  : Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXXXXXX XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX  Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX  : Account number : XXXX, Inaccurate. 
XXXX XXXX Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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