vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I paid my loan off in full today, I called 10 times to remedy the situation and they all refuse to transfer me to a supervisor or any other department and they all just hang up on me. 

I made my final loan payment to XXXX  on XX/XX/year>, and my bank confirms that the funds were successfully debited and sent to XXXX. Despite this, XXXX  claims they did not receive the payment and continues to add interest and claim my account is unpaid. 
I have provided proof from my bank including a transaction screenshot and confirmation of successful processing showing that the funds were withdrawn and not returned. They are refusing to apply the payment and stop interest from accumulating. 

In addition, XXXX  has falsely documented in my account that I threatened legal action, which I did not. I exercised my right to dispute the loan and said I would escalate the matter to the CFPB not take legal action ( yet ). Their internal system now labels my account as a legal case based on this false claim, and they assigned a case number. 
This is misleading, retaliatory, and appears to be an attempt to discredit or suppress my valid dispute. 


I am requesting CFPB assistance to : Require XXXX  to apply the payment properly and stop all interest and fees related to this error Force them to correct their internal record falsely labeling me as having made a legal threat Ensure they do not retaliate further for filing a complaint or disputing a balance I can provide full documentation, including bank statements, screenshots, and email correspondence showing my attempts to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
Accounts are being reported under my name without my authorization. I did not open or manage these accounts ; they are inaccurate and misleading.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After futile searching my on-line account for where I could cancel my product, I called the Equifax phone number on my credit card statement to cancel my product ( one which I was initially given free of charge after a data breach, but didn't realize that I was being billed for after some period of time ). I called on XX/XX/XXXX and the phone representative asked for extensive, sensitive, information, of which I only provided enough to identify me. The phone representative was able to bring up my account and said that they would cancel my product. I was billed again on XX/XX/XXXX. I called back and after an hour of them telling me that they were unable to refund my money they said that I needed to go through my bank and they hung up on me without resolving my issue. They indicated that they had a recording of the conversation on the XXXX, but even though their representative said they would cancel the product, that I hadn't provided the invasive information that they were requesting to 'verify ' me. I finally got the product canceled, but they refused to refund my money ( I was only asking for a refund of the billing after I had canceled, not the entire time that I had been hijacked into paying for their service ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-09-11 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that are causing me significant financial and emotional harm.

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 2025-09-11 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: CA

Complaint narrative:
The entry is incorrect and does not accurately represent my financial responsibility. Please amend 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 2025-09-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
I filed a dispute with Cash App for {$25.00} XXXX XXXX transaction on XX/XX/year> because I did not receive what I paid for. 

Cash App initially denied my dispute, so I appealed on XX/XX/year>. On XX/XX/year>, XXXX XXXX  confirmed that Cash App disputed the charge and the funds were pulled back from XXXX XXXX. However, my Cash App account had not been credited. 

Cash App keeps giving me generic responses and now claims my dispute was filed on XX/XX/year>, even though my first notice of error was submitted on XX/XX/year>. By law, the 45-day investigation period should begin with my first notice of error, not a later internal date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
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  ]

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am disputing the accuracy of multiple late payments being reported by XXXX XXXX  on my account ending in XXXX. My credit reports with Experian, Equifax, and TransUnion show late payments for XX/XX/2024 through XX/XX/2024. 

These late payments are not accurate, not verified, and therefore not compliant with the Fair Credit Reporting Act ( FCRA ).

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate and complete reporting.

Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to a reasonable reinvestigation. I demand documented proof from the furnisher.

To date, no original source documentation has been provided to verify these alleged late payments. 

If XXXX XXXX can not produce proper verification, these late payments must be deleted from all credit reports as unverified. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I disputed an account that Portfolio Recovery Associates , LLC ( PRA ) is reporting. I requested full debt validation, including the original signed contract, complete account statements, and a detailed payment history. PRA did not provide this. Instead, they only sent a generic letter from XXXX confirming the sale of the account and their own letter claiming the debt was valid. This does not meet the legal requirements for proper validation. 

Additionally, PRA is reporting my last name incorrectly as XXXX when my correct legal last name is XXXX. This is inaccurate and misleading information that creates confusion and misidentification. 

Because PRA has failed to provide proper validation and continues to report inaccurate information, I am requesting that this account be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I am disputing the inaccurate reporting of a charged-off/closed account that continues to appear on my Trans-Union and Equifax credit reports , I previously submitted a dispute to both credit bureaus under FCRA 611, requesting a reasonable investigation and method of verification. Both Bureaus marked the account as " verified, '' but no documentation or proof of accuracy was provided, and the account remains reporting inaccurately. The account information XXXX XXXX XXXX XXXX XXXX open on XX/XX/year> with a limit of {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MO

Complaint narrative:
This account was charged off on the following date. XX/XX/year>. Since then the account has been repeatedly updated as a charge off every month. This is an update in the payment history " A Charged Off '' account should include an active payment history. The inaccurate information falsely manipulates the statue of limitations. You failed to investigate the account properly and your neglect has violated my rights I am demanding a deletion of the following account from my credit report. XXXX XXXX account ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XX/XX/year>, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
The Following Accounts are Fraudulent and I have been a victim of identity theft in the past and Have a Filed FTC report I have Reached about to Experian XXXX times and they have not responded to me. 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

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE POTENTIALLY NEGATIVE Account Info Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$200.00} Highest Balance {$280.00} Terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CT

Complaint narrative:
looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual whom the report relates to according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general after any reinvestigation under ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681 s-2 they are supposed to 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. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual whom the report relates to according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general after any reinvestigation under ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681 s-2 they are supposed to 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XX/XX/year>, I paid to have my sons phone unlocked. It was to be completed XXXX hours. On their website states pending at 95 %. Filed dispute with Navy Federal and they requested an invoice. Company is not responding and Navy Federal has denied claim. Seeking to get back {$24.00} fee and the {$54.00} fee with XXXX.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I already have an open complaint about the incessant spam I have tried forever to get them to stop and the fact that they've ignored my opt out that they confirmed the first time I complained. My last complaint has not even been resolved yet, but today I received a letter from experian claiming that I claimed my identity was stolen and that information from my credit report be blocked. I never requested this and they know it. It seems that whoever responds to each complaint here or through the XXXX  just randomly picks an issue and sends something. This, though, is the most egregious and dangerous misuse of the process as it makes me less safe if something did ever happen. 

I don't even know what to request at this point as every time I ask them to stop fraudlently and illegally treating my account and info, they just add a new form of mistreatment. 

I do not understand how this company continues to operate with literally no ability to speak to a person and countless lawsuits for illegal activity.

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