vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
* On XX/XX/year>, I bought this XXXX XXXX Plus with the best intentions of finding a job from my phone. 
* I would only pay the normal amount of {$85.00}, and my next payment would be on XX/XX/year>, for the same amount. It would be done via autopay, but honestly, this always happens to my bank accounts in the United States. 
* * The next payment would be : Account Number : XXXX Payment Due Date : XX/XX/year> Total Bill : {$85.00} * I requested a discount through XXXX. {$10.00} USD. ( different and why ) 1.- This was the notification : We were unable to approve your proof of eligibility because THE PERSON 'S NAME IS MISSING. Please resubmit your document or upload a new one within 14 days, and we will reverify your eligibility for the XXXX XXXX XXXX XXXX  Program based on your XXXX Membership affiliation. If we don't receive your document, you will lose the program benefits and any discounts you may currently be receiving. ( This is what was done ).

* The bill would have been higher if it had been accepted with insurance included. But with so many problems with payment cards ... and/or deposit fraud, auto-pay didn't help. 
2.- My cell phone went missing ; the gardener was in the back of my house trimming the tree, and months later, the same phone reappeared with a different gardener at my home.

Obviously, I was no longer with XXXX XXXX XXXX because I no longer had a phone and the device was still on. Attempts were made multiple times to discontinue the payments, but they continued to charge me anyway. After several attempts, the service was discontinued, but they simply continued making the payments month after month. In invoices

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 2025-07-05 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This company violated my rights 15 USC 1681 section 602 states I have v the right to privacy 15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was approved for an auto loan from navy federal a couple years ago and was scammed with my information. I was taken advantage of by some man unfortunately thinking theyd help me with getting a car and they just used my information for unknown purposes. This situation has been very stressful and has been holding me back financially and Im not sure what to do. My report says I bought a car for over $ XXXX ive never bought a vehicle hence, I havent made any payments on it. Ive never signed off on a vehicle or made a purchase this big in my life. I really just want to repair my credit and get my life in order. Please help me solve this issue thankyou

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
Greetings XXXX XXXX XXXX XXXX I received a loan of {$1400.00} from the American First Finance Company, by way of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and the early pay off was on XX/XX/year>. I paid off the {$1400.00} off on XX/XX/year>. I used my XXXX XXXX  card ending in XXXX to make extra payments, and told the customer service agent of American Finance Company not to save that card on the account. I found out after I paid the {$1400.00} back to them that someone from their company used {$360.00} ; for there own purposes. I also noticed that my XXXX XXXX  Checking account ending in XXXX, and XXXX XXXX cards ending in XXXX, and XXXX was still saved on their website on XX/XX/year> : at XXXX pm. I was emailed a confirmation that my card ending in XXXX was removed after my request, on XX/XX/year>. So it's some fraudulent activity going on with this company American First Finance. I contacted my bank to notify them of the fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-05 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: NC

Complaint narrative:
XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-07-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: VA

Complaint narrative:
To Whom It May Concern, This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights.

This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance.

Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them.

These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms me.

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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 2025-07-05 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: AR

Complaint narrative:
I discovered a fraudulent credit card account from XXXX XXXX appearing on my credit report. This account was opened under a CPN ( Credit Privacy Number ) but is linked to my real name without my authorization. I did not open, authorize, or use this account, and it is a clear case of identity theft.I remove the secondary SSN on my profile im pretty surethe credit is tide to this account

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 2025-07-05 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:
I, XXXX XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

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 2025-07-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I purchased a supply package for my XXXX  husband on XX/XX/year> from XXXX XXXX .I called XXXX XXXX on the XX/XX/year> to check the status of my order. I spoke with the representative and was told my order was processing and was told that my method of payment through cash app debit card is not an acceptable form of payment. I asked the representative then how was I able to place the order on the website and the order went through? Money was taken and Giving me a confirmation email and everything.Representative had no answer for me. Representative told me they had to cancel my order that day. They canceled my order and was promised i would receive my refund in 7 days. never received it. I have called an additional 7 times since then. Its now been over a month and i still dont have my refund. I gave union supply well enough time to refund me. So i contacted cash app to file a dispute because I never got my order and it was cancelled. Cashapp denied my dispute within 2 days saying no error had occurred. So i filed another dispute this time providing proof to cashapp screenshots of my order being cancelled with a date XX/XX/year> as purchase date and amount of XXXX. Again dispute denied within 2 days with no real explanation. This is ridiculous! This is the first time i ever used a cash app debit card to purchase something and this happens. Will not be using cashapp ever again and i want my money back! Cashapp clearly states on their app that not receiving goods or services makes the dispute legitimate to file. Im out of XXXX all because i was trying to get my husband a supply package. Will be taking this to court if my refund isnt given to me this is such a inconvenience to beg for my money back and to be ignored and cashapp has the worst customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


has violated my rights. 

I looked at my XXXX Equifax XXXX  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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 ( ii ) 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 1681s-2 they are suppose 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX [ Social Security Number : XXXX [ Date of Birth : XX/XX/XXXX [ Phone Number ] : XXXX [ Email Address ] : XXXX [ Date ] : XX/XX/XXXX To : [ Experian ] XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Obsolete Personal Information RE : Removal of Old Address and Employment Information To Whom It May Concern : [ Experian ] I am writing to formally request the removal of outdated personal information from my credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ). The following information appearing in my credit report is inaccurate and no longer associated with me : Old Address ( es ) to be removed : XXXXXXXX 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 Outdated Employer ( s ) to be removed : - XXXX XXXX XXXXXXXX Please update my credit report to reflect only the current and accurate personal information listed below : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Current Employer : XXXX Enclosed are copies of my government-issued ID and a recent utility bill or bank statement as proof of my current address. 

Please complete this investigation and send me written confirmation once the outdated information has been removed. I expect a response within 30 days as required by the FCRA. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
Im XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have a collection I dont know about somebody got a hold of my social number and also its a address thats on my report I never been in AL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: NJ

Complaint narrative:
Subject : Debt Validation Request Charged-Off Loan Dispute To whom it may concern, I am formally disputing a debt reported on my credit file that is listed as charged off, with a current balance of {$2000.00}. The account was opened on XX/XX/year>, and the last reported payment was on XX/XX/year>. The record indicates 6089 days late payments, and the account shows a history of derogatory marks for nearly two years. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I request a full validation of this debt. Please provide : 1. A copy of the original agreement or contract bearing my signature.

2. A complete breakdown of the amount claimed, including interest, fees, and penalties.

3. Proof of the current creditors legal authority to collect this debt.

4. Full account payment history and evidence of default or delinquency.

5. An explanation for the increase from the highest balance of {$1500.00} to a current balance of {$2000.00}. 

Please mark this account as disputed with all credit reporting agencies until validation is complete. If this debt can not be verified, I request that it be removed from my credit report. 

Thank you for your compliance with federal regulations. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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 writing to dispute the reporting of accounts that appear on my credit report without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence is completely unacceptable. They contain inaccurate and misleading information that misrepresents my financial history. 
I take my credit profile very seriously, and the appearance of these unauthorized accounts is a serious concern. I request immediate clarification regarding how these accounts were added to my report and who is responsible for reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Responded to debt validation letter no response form company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Responded to debt validation letter no response form company.

Company response to consumer: Closed with explanation