vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my NAVY FEDERAL CR UNION Credit Report. I am not sure if you have conducted a thorough investigation for the following item : NAVY FEDERAL CR UNION XXXXXXXX XXXX XXXXDate opened XX/XX/year>XXXX  Balance {$21000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
There was a total of XXXX cashapp transfers to a person I have never met. I let cashapp know and my bank that was linked to my cashapp cashapp denied the fraud allegation and didnt try to get my money back from the account that recieved it. I requested payment back was denied. Blocked the individual so it didnt happen again and replaced my cashapp card and linked bank card as well as made sure the XXXX factor was set up on my account. You can still bypass it by entering the pin so its not actually safe if your pin is simple. 

Dates this occurred : XXXX XXXX XX/XX/year> {$1000.00} XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XX/XX/year> {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: SC

Complaint narrative:
XXXX XXXX  contacted me about solar panels in XXXX of 2024 I then spoke to MOSAIC LLC about payments and how much it would be monthly I never agreed to a loan and ended up backing out of the solar panels all together and mosaic kept the loan agreement stating I owed them money. Neither side will cancel this loan it has been a nightmare dealing with them. I have now had to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am filing this complaint because several collection accounts are being fraudulently reported on my credit report by companies with whom I have never had any business relationship. I never opened, authorized, or agreed to any of these debts. 
The following accounts are fraudulent and must be removed immediately : 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 Identity Theft Report with the FTC ( FTC Report Number : XXXX ), and XXXX this report to the credit bureaus. Under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to block all information identified as resulting from identity theft within XXXX ( XXXX ) business days after receiving the report. However, these accounts are still appearing on my credit reports. 
This situation is XXXX XXXX my credit and my ability to secure essential needs like housing. I am an older woman who has always protected her financial reputation, and now I am being XXXX  credit based on fraudulent debts that do not belong to me. Despite my efforts, including requests for contracts or validation from the furnishers, no response or documentation has been provided in over XXXX  days. 
I respectfully request the CFPB to require that these accounts be blocked and permanently removed from all credit reports in compliance with the FCRA. The furnishers have failed to verify the accounts, and I am attaching my FTC Identity Theft Report as supporting evidence.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Atlantic Union Bankshares, Inc.
State: NC

Complaint narrative:
I made an international wire transfer of {$14000.00} from my Atlantic Union Bank to a XXXX bank in XXXX XXXX on the XX/XX/year>. The recipient didnt receive the money. I contacted my bank for a dispute and they said the money will be put back into my account. For over XXXX weeks now no reimbursement from my bank despite charging extra {$35.00} fee for the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
Dear XXXX XXXX, I am reaching out in hopes to get resolution to an unresolved dispute. In XXXX, a transaction with XXXX  was disputed on my account for {$1300.00}. In working with XXXX, they advised that they could refund me however they needed to speak with the property XXXX in order to do so. The problem with that was on their website it advises customers if we wanted a refund we could obtain XXXX by requesting XXXX from XXXX. I done this. XXXX  had already messed up prior as I locked my XXXX  card, and notified them not to take the payment as I had frozen the payment source in their app. Well conveniently they unfroze my card on file with them and took the funds. As I got no resolution within XXXX  days, I was told to reach out to my bank. Well XXXX XXXX is my bank, I filed a claim in XXXX only to be told they did not receive documents which I faxed to them and received a confirmation of. They denied my claim the first time, and I had to call in and re-request the claim to be open. I was told that I would receive the permanent credit but that it will take XXXX. I dont have XXXX  days and Ive XXXX given XXXX XXXX XXXX  days to resolved. The lack of communication regarding the status of my claim, the lack of providing a temporary credit when they know it will be permanent in the end only shows what type of bank you are. I bank with several other banks and have never experienced an issue like this with a claim. You guys now want to feed me XXXX saying XXXX gives them XXXX  days. Thats your way in saying you dont want to give me my money right now but you can. You dont have clear processes, you dont have a clear way to reach the dispute department by phone, I finally get a supervisor who speaks to XXXX ( a XXXX  card dispute XXXX ) via chat with no resolution. I want a temporary credit on my account. Ive waiting long enough for resolution within you to resolve and your negligence in this matter is making for a bad experience. The final straw is that today when I called the supervisor XXXX told me its still being investigated and that with XXXX there still well within their XXXX  days. Only to go back on my app and they advise that its been resolved and I wont be getting a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX 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 a 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.

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 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
I borrowed {$600.00} from the lender and only after receiving the signed loan agreement, did I realize that I was being charged a {$2800.00} finance charge. I have since paid back {$1700.00}, which is more than twice my original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
I am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with XXXX XXXX, I am formally requesting their removal within the next XXXX  days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, my checking account was debited {$69.00} for an unauthorized purchase with XXXX XXXX. I immediately contacted Capital One on XX/XX/XXXX to dispute the charge as I had not booked any flights or transactions with XXXX for {$69.00}. I reviewed all of my emails and transaction history to no avail. I am a frequent flyer with another airline and barely use XXXX, in any event, I always receive a confirmation email along with code to confirm transaction, in which I did not. I received an email on XX/XX/XXXX from Capital One denying my dispute claim as they have received information from the merchant the transaction was valid. I asked for the information received from XXXX to confirm the validity of the transaction such as the merchant transaction number or confirmation information. I was then told they were not able to send me the information and would reopen the investigation for the next 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have reached out multiple times to XXXX XXXX XXXX to fix this account because there are discrepancies on the credit report in which has caused my credit report to be incorrect and have caused multiple damages throughout my credit experience. I cant apply credit anywhere due to this false account. They also show different dates. Stating I am in collection but they still show up on my report. Then I received a letter from Midland credit management saying I owe the same amount. This has nothing but harmed me and credit life. There are many discrepancies as well. Please look into this and if so have it removed off my credit report for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This month, I have have tremendous changes to my credit file like account and inquiries. My score with Experian and Transunion barely moved up. XXXX  is the only company that the score significantly increased. When collections are added to files the score drops at least XXXX points. These points needs to be added back or I will be filing a discrimination lawsuit and a defamation lawsuit as I have spoken with lawyers.

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 2025-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-02 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year> I purchased a XXXX XXXX from XXXX XXXX. I spoke with the owner and receptionist. The owner told me the fridge was use and had no dents or scratches. He repeatedly emphasized the fridge had all its parts and worked perfectly. We agreed at a price of XXXX. We arranged a trade for my old washer & dryer and removal of the old fridge for {$75.00} off {$150.00} delivery fee delivery. With tax, I paid XXXX in full at that time via Affirm XXXX  XXXX. The receptionist texted me my receipt. When the fridge was delivered later than scheduled the same day, I noticed the fridge was making a loud noise and the following parts missing : XXXX produce drawers, the pantry lid, and the drip pan to the dispenser. I advised him via text immediately and advised him If he didn't have the parts to just XXXX me the cost to purchase the parts. I also sent him purchase links for all parts. The next morning I called and told the receptionist what happened because I received no response. She transferred me to XXXX and he scheduled a visit for repair and part supply XX/XX/year> XXXX EST. No one called or came. On XX/XX/year> I called and told the receptionist no what happened and she transferred me to someone who sounded like XXXX who told me XXXX was sick the day before and couldn't do the service call and delivery of parts or replacement. He never gave me his name when asked. He told me he would consult the owner and call me back in XXXX. An hr later I called back because no one called me. He answered and told me the service call & delivery was rescheduled to XX/XX/year> XXXX EST. At XXXX I called and got no answer so I texted that no one came. I called back and he answered again saying he would see what happened. I told him I have been trying to be patient and now was XXXX  and that this needed to be all resolved today or I would be taking legal action. He immediately disconnected the call and didn't answer when I called back. I texted that I was taking legal action for fraud. I filed a claim with Affirm on to report the transaction as scam and get a refund. Affirm has refused to process the claim and respond to my inquiries. They have lied about calling me back and providing me information requested. I received an email from affirm requesting information they have already received. On XX/XX/year> a supervisor name XXXX told me the XXXX I spoke to on XX/XX/year> lied to me as they did not submit a ticket to the claim representative to contact me to process my claim. This person also didn't note the call with his name. 
I have all calls recorded and have provided all text/call communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
My identity was stolen in or about XX/XX/year>. I constantly notified the credit card company of the fraudulent charges and they stated that they couldn't do anything to stop the charges. I had to close the card to stop the charges which actually did not stop the charges. The account continued to accumulate charges and fees that are listed in the notes attached. Also the collection company doesn't own the original debt therefore they can't collect on it. 
GREEN v. PORTFOLIO RECOVERY ASSOCIATES LLC ( 2024 ) Court of Appeals of Virginia.

Mazie GREEN v. PORTFOLIO RECOVERY ASSOCIATES, LLC Record No. 0144-22-3 Decided : XX/XX/year> Present : Judges Malveaux, Ortiz and Causey Argued at Lexington, Virginia Mazie Green, pro se. L. Steven Emmert, Virginia Beach ( James K. Trefil ; Jonathan P. Floyd, Richmond ; Sykes , Bourdon , Ahern & Levy, PC ; Troutman Pepper Hamilton Sanders LLP, on brief ), for appellee. 
Mazie Green, pro se, appeals the circuit court order ruling for XXXX XXXX XXXX, XXXX ( XXXX ) in a debt-collection action. The circuit court granted judgment to PRA in the amount of {$8900.00}. On appeal, Green argues that PRA did not have standing to sue, that the court erred by failing to consider her counterclaim alleging PRA violated the Fair Debt Collections Practices Act ( FDCPA ), and that by releasing her cash bond to PRA, the General District Court of Alleghany County violated the Fourteenth Amendment and FDCPA by issuing a recognizance on PRA 's behalf. Finding that PRA failed to prove it owned Green 's debt, we reverse the circuit court 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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