vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: AZ

Complaint narrative:
I don't know if this is to you but I am out raged to find my account closed. I don't do anything but accept and send money through my cash account which is XXXX XXXXXXXX. I think this is a mistake on your side and I want my account back opened because I have done nothing wrong to get this account closed my email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have asked the credit bureaus to remove accounts that are not mine. I sent this request in XXXX and the accounts are still showing on my credit report. I would like for these accounts to be removed 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 2025-06-21 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: FL

Complaint narrative:
I reviewed my credit report and discovered inaccurate information being reported by XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX BANK NA Account Number : XXXX XXXX. XXXX Account XXXX : XXXX regarding an account that does not belong to me. This account is negatively impacting my XXXX XXXX and financial reputation. 

On XX/XX/year>, I contacted the credit bureau ( XXXX ) and the data furnisher to dispute this item and requested validation. However, I have not received a satisfactory resolution or any evidence verifying that this account is valid and truly mine. 

This appears to be either a case of mixed file or identity error. According to the Fair Credit Reporting Act ( FCRA ), the information must be accurate and verifiable. I respectfully request this item be investigated and removed if proper validation can not be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I reviewed my credit report and discovered inaccurate information being reported by XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX BANK NA Account Number : XXXX XXXX. XXXX Account XXXX : XXXX regarding an account that does not belong to me. This account is negatively impacting my XXXX XXXX and financial reputation. 

On XX/XX/year>, I contacted the credit bureau ( XXXX ) and the data furnisher to dispute this item and requested validation. However, I have not received a satisfactory resolution or any evidence verifying that this account is valid and truly mine. 

This appears to be either a case of mixed file or identity error. According to the Fair Credit Reporting Act ( FCRA ), the information must be accurate and verifiable. I respectfully request this item be investigated and removed if proper validation can not be provided.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 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 non-monetary relief
Consumer complaint received 2025-06-22 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed severe inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year> ]. 
The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX XXXX ACCT # XXXX * * * * XXXX XXXX - XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX / XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information.

These no longer serve a valid purpose in creditworthiness evaluation.

Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year> ]. 
The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX XXXX ACCT # XXXX * * * * XXXX XXXX - XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX / XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information.

These no longer serve a valid purpose in creditworthiness evaluation.

Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
Transunion, Experian, and Equifax are reporting a delinquent account listed on my consumer report as XXXX XXXX XXXX  Account # XXXX. The account is reporting as charged off but it is updating monthly. This is a clear attempt for the consumer agencies to lower my credit utilization because updating this account means it manipulates the system to change the date of last activity which means it will report longer. This is a clear violation of my consumer rights. This account has also been disputed and I requested they provide me with validation that this information is correct and they did not comply to this request. How was the consumer agencies able to verify such information when its not even accurate. There are several inconsistencies from each consumer agency.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Dispute of Incorrect Addresses and Name Variations on Credit Report Dear Credit Reporting Agencies, I am writing to formally dispute certain inaccurate information appearing on my credit report. Specifically, I request the removal of all incorrect addresses and variations of my name that do not belong to me. 

The details I am contesting include : Addresses other than XXXX XXXX XXXX XXXX, are not associated with me or have never been part of my place of residence. 
Variations of my name that are incorrect or have not been used by me. 
Please conduct a thorough investigation into these items and remove any inaccurate addresses and name variations from my credit report. Thank you for your prompt attention to this matter. Please confirm receipt of this letter and notify me of the results of your investigation.

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 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint against Navy Federal Credit Union for ongoing and unresolved issues that have significantly affected my ability to manage my finances and access essential services. 

The issues include : No reliable access to customer service : There is no effective way to contact a live representative. The only available option is an online chat, which is frequently unresponsive and lacks the ability to resolve complex issues. 
Inability to view my account : I have been locked out of accessing my account information for an extended period. I can not view my balances or manage transactions, which has hindered my ability to stay financially organized. 
Unresolved auto loan issue : For over 1.5 years, I have attempted to resolve a problem related to my auto loan. Due to Navy Federals negligence and lack of follow-up, I was forced into a higher interest rate, resulting in avoidable financial loss. 
Restricted payment functionality : The only way Ive been able to make critical payments ( such as to XXXX ) is through an external account, due to ongoing access and service issues. 

These failures represent more than a minor inconveniencethey have directly and negatively impacted my financial well-being. I am requesting that this matter be formally investigated and resolved immediately. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I am writing to formally dispute an inaccurate entry listed on my credit report. The account in question is reported as a mortgage with PHH Mortgage, and it is appearing on my credit file under the account I want to state clearly that I have never applied for, signed for, or authorized any mortgage loan with PHH Mortgage. I have no contractual or financial relationship with this lender, and I did not give permission for such a loan to be opened in my name. Therefore, this account is being reported in error and must be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax conduct a full investigation of this matter and provide written documentation verifying the validity of this mortgage loan. If PHH Mortgage can not provide signed loan documentation confirming I am legally responsible for the debt, this account must be deleted from my 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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Communication tactic and trying to collect in bad faith

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
XXXX transactions of XXXX were made on XX/XX/year> to someone impersonating a friend who provides beauty/ health services. Usually we do a deposit and then finish the payment. This time the money was sent but then the recipient blocked me on all forms of communication. Now I have no way to contact them. I would like to report those transactions immediately and request a refund please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
In XX/XX/year>, American Express National Bank, represented by XXXX XXXX XXXX, P.S., filed a debt collection lawsuit against me in XXXX XXXX, Idaho. However, I was never properly served. 

I only became aware of the lawsuit when a third party texted me, explaining that a process server had handed her a clear plastic envelope with my full name, debt and legal documents clearly visible. This individual had no legal relationship to me. 

Additionally, my twin sister was contacted and given information about my alleged debt, without her identity being verified in any way. This represents a clear and repeated breach of my privacy and a direct violation of the Fair Debt Collection Practices Act. 

Once I discovered the suit, I responded pro se and notified the plaintiffs attorneys of these procedural violations, including the improper service and unauthorized disclosures. Instead of correcting course, they continued to escalate the case by passing it from attorney to attorney. Each one ignored the legal missteps and instead pressured me to settle or make payment arrangements, despite the fact that the case itself was tainted by serious misconduct. 

I informed them that I was proceeding without an attorney and that their actions were causing emotional distress, reputational harm, and disruption to my small business. Nevertheless, they persisted with these tactics. 

The Court issued a mandatory Mediation Order on XX/XX/year>, which they also failed to follow. As of now, no mediation has been scheduled. I have drafted a Motion for Sanctions and Dismissal with Prejudice, which is scheduled to be filed on Monday, XX/XX/year>, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho ( Case Nos. XXXX / XXXX ). This filing outlines the full extent of the procedural misconduct, third-party disclosures, and court order violations referenced in this complaint. 

I am requesting CFPB intervention and review for serious violations related to third-party disclosures, lack of proper legal notice, harassment of a self-represented individual, and failure to comply with judicial process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX, MCM received and signed for my certified dispute and cease communication notice. Representative, Jose XXXX, accepted delivery via USPS Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX, placing MCM legally on notice as of that date.\n\nDespite receiving my dispute and cease communication notice, your agency continued collection contact by telephone on:\n\XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: OR

Complaint narrative:
USC 1681S-2 ( B ) PRIVATE RIGHT OF ACTION MY CREDIT REPORT MUST BE ACCURATE AND COMPLETE - COMPLETENESS AND FULL ACCURANCY AND MUST BE REVIEWED BY AND LAW BIDING HUMAN IN THE FRAUD DEPARTMENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE AND DESIST OF FALSE REPORTING I HAVE A FEDERAL TRADEMARK ON MY NAME THIS IS CLEAR VIOLATION XX/XX/year> XXXX PLAINTIFF : XXXX XXXX XXXX XXXX DEFENDANTS : EQUIFAX, EXPERIAN, TRANSUNION POLICE REPORT NUMBER : XXXX FTC REPORT:XXXX CEASE AND DESIST OF FRAUD REPORTING ATTN : TRANSUNION, EQUIFAX, EXPERIAN title and trade violation> ACCORDANCE TO TITLE 15 USC ( a b 1 2 3 4 ), USC6803 ( a 1 2 3b ), USC 1681b, USC 1681S-1-2 USC 1681a2 , USC 1692g , USC 1681 ( e b ), USC 1681 ( 2x I ), USC 1666b billing error 12 CFR 1026.13, USC 1681 YOUR COMPANY IS IN VIOLATION OF ALL THE ABOVE CONSUMER LAWS SWAL I DIDNT GIVE CONSENT I DIDNT AUTHORIZE MY CREDITTTT TO BE LOOKED INTO OR CHECKED OUT TO HAVE THIS FRAUD PRIVATE UNAUTHORIZED ALLEGED ACCOUNT TO BE FURNISHED IT READ : XXXX XXXX  XXXX I DIDNT SIGN ANY ANY DISCLOSURE FORMS OR GAVE PErMISSIBLe PURPOSE TO THIS ALLEGED DEBT TBED I dont even know who this company is and if this alleged DEBT WAS MINE XXXX DOSEDNT EVEN HAVE LICENSE TO COLLECT ON DEBT IN OHIO, DELETE THE ALLEGED ABOVE ACCOUNT IMMEDIATELY THIS HAS CAUSED HARM IF NOT DELETED I WILL MOVE TO LITIGATION IM SERIOUS ABOUT MY LIFE I WILL SUE IN FEDERAL COURT I know your company didnt investigate the above alleged acct if you did you would know that XXXX doesnt even HAVE LICENSING TO COLLECT ON ANY COMMERCIAL ACCOUNTS AT ALL I HAVE NO BUSINESS WITH THIS COMPAN .DELETE NOW SINCEreLY, DELETE IN RECEIPT AFFIANT : XXXX : XXXX. Living WOman far from being dead Beneficiary OF PLAINTIFF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON ESTATE

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