vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Dispute of Navy Federal Credit Union Account # XXXX * * * * Potential FCRA Violations Dear TransUnion, I am writing to dispute inaccurate or unverifiable information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following account appears to contain errors that may violate federal law, and I request its immediate investigation and correction or removal from my credit report. 

Account Details : Creditor : Navy Federal Credit Union Account Number : XXXX * * * * Account Type : Revolving ( Credit Card ) Account Status : Open Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$0.00} Comments : Terminated Reason for Dispute and Potential Violations : The account is listed as " Open '' but also noted as " Terminated '' with a last reported date of XX/XX/XXXX, and a last payment date of XX/XX/XXXX, indicating it was likely closed. This conflicting status suggests inaccurate reporting, which violates 15 U.S.C. 1681e ( b ), requiring consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of information. If Navy Federal Credit Union has failed to report the accounts closure accurately or has not provided updated information since XX/XX/XXXX, this may also constitute a violation by the furnisher under 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers investigate and correct inaccurate or incomplete information upon notice of a dispute.

Additionally, if TransUnion can not verify the accuracy of this account with Navy Federal Credit Union, its continued inclusion on my credit report violates 15 U.S.C. 1681i ( a ) ( 5 ), which requires the deletion of information that can not be verified during a dispute investigation. The outdated reporting ( last updated XX/XX/XXXX ) and inconsistent status may also mislead creditors, potentially impacting my creditworthiness.

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 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NM

Complaint narrative:
I don't believe Credit Control , LLC has anything to with this alleged debt. I have never had any contact with Credit Control , LLC. I have never signed anything with Credit Control , LLC. They are a third party debt collector that I have never had contact with. I don't believe they are a legitimate company. Please verify that Credit Control , LLC has the authority to contact me. Please supply me with the following information. 
1. Company name 2. Company address 3. Company phone number 4. Professional license number to do business in the state of New Mexico.

5. Amount of the alleged debt.

6. Please provide all account numbers associated with this alleged debt 7. Details of the alleged debt. Itemization of the allege debt, including the original amount, interest, fees, payments, and credits since the date of the alleged debt was incurred.

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 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a derogatory and fraudulent account currently appearing on my credit report with Equifax. The account in question is reported by XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$620.00}, opened on XX/XX/XXXX, and listed as Collection/Charge-Off under the telecommunications category. 

I am a victim of identity theft, and I did not authorize, open, or use this XXXX XXXX account. I first became aware of this fraudulent account on XX/XX/XXXX, when reviewing my credit file. This debt was incurred without my knowledge or consent and constitutes a direct violation of my consumer rights under federal law. 

In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I have taken the following actions : Filed an Identity Theft Report with the Federal Trade Commission ( FTC ) ; Submitted a police report ; Provided a sworn statement affirming that I did not initiate this account. 

Under the FCRA, Equifax is legally required to block and remove any information that results from identity theft within 4 business days upon receipt of proper documentation. As such, I am requesting that Equifax immediately delete this XXXX XXXX account from my credit report and cease all reporting and distribution of this false information to third parties. 

Please find attached the following supporting documentation : A copy of my FTC Identity Theft Report ; In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that this item be immediately removed from my credit file. Specifically, I invoke my rights under the following FCRA provisions : FCRA Section 605B ( 15 U.S. Code 1681c2 ) Requires consumer reporting agencies to block information resulting from identity theft within four business days of receiving appropriate proof, such as a police report and a sworn identity theft affidavit. 

FCRA Section 611 ( 15 U.S. Code 1681i ) Grants me the right to dispute inaccurate or fraudulent information and mandates that credit bureaus investigate and correct or delete any information that can not be verified as accurate within 30 days.

FCRA Section 623 ( a ) ( 6 ) ( 15 U.S. Code 1681s2 ( a ) ( 6 ) ) Requires furnishers of information, like XXXX XXXX, to not report information they know or have reason to believe is the result of identity theft. 

I have already filed a report with the Federal Trade Commission ( FTC ) and a local police department, and I am enclosing the following documents to support my dispute :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
Recently I looked at a copy of my credit report and notices several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
My mother had this furniture and is now deceased. I dont have possession of furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX  Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX, VA XXXX RE : Account # XXXX / XXXX XXXX Debt To Whom It May Concern, I am in receipt of your so-called validation in response to my dispute regarding the above-referenced account. Let me be very clear : what you provided does not meet the legal standards of debt validation under 15 U.S.C. 1692g of the FDCPA. 

A printout of an internal account summary and a XXXX statement dated over two years ago is not proper validation. You have failed to provide the original signed contract, purchase agreement from XXXX, or the full chain of assignment that legally proves your right to collect this alleged debt. Without these documents, you are in direct violation of FDCPA 15 U.S.C. 1692g ( b ) and FCRA 15 U.S.C. 1681s-2 ( b ). 

Additionally, the balance claimed ( {$560.00} ) does not match the last known statement balance from XXXX ( {$39.00} as of XX/XX/year>XXXX  ). You have failed to account for the inflated amount and provide an itemized breakdown of how that amount ballooned. 

Your continued collection efforts and credit reporting of this unverifiable debt is unlawful. I hereby demand the following : 1. Full validation, including : Original signed credit application or contract.

Bill of sale or assignment showing legal ownership.

Complete accounting and breakdown of the balance claimed.

All communications or records from the original creditor.

2. Immediate cessation of all collection activity until proper validation is provided.

3. Immediate deletion of any reporting to credit bureaus in the absence of verifiable documentation. 

Failure to comply will result in formal complaints Ill take legal action with the Trade Commission ( FTC ), and the New Jersey Attorney Generals Office. I also reserve the right to pursue legal action for damages under the FDCPA and FCRA. 

You have 15 days from receipt of this letter to comply. 

This is a final demand. Do not send any more boilerplate printouts or unverifiable summaries. Either provide full validation or delete the account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Someone hacked into my cashapp so they completely banned me from using cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX o had issues withy cardy account was constantly getting lock and for a long period of time deposits was not being funded by XXXX. mean while I had a few disputes that was.in process from a few of my card being sent to a unknown address in XXXX XXXX ca, and my information was not letting me get into my account when I called bofa .So unfortunately I had no way to keep up with transaction, deposits, withdrawals to my account and all disputes that came in fund my account unexpected making it as XXXX had sent in a new schedule deposit if I can remember in XXXX somewhere I had got a XXXX load may be twice and again maybe In XXXX but knowing there are deposits on my XXXX account showing a good amount to my account did not upload funds making a skip on my account but available for other lost delay disputes.what is needed is a better review of fund deposits from XXXX reason why funds could not post card activity at each address .I 'm asking for all to better understand my account activity avalibility to summit my irp request and for a ext on the first XXXX request for I did not get information from bank customer service rep they could not provide any information on lost check to my address

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 2025-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Capital One Bank for unjustifiably restricting my business and personal accounts, collectively holding over {$120000.00}, without providing a clear explanation or timeline for resolution. 

The restriction was placed nearly three months ago, allegedly in response to a wire transfer intended to purchase property overseas for my wife while we await her marriage visa. Despite providing full documentation and repeated follow-ups, Capital One has failed to offer any resolution, transparency, or meaningful support.

I am a high-value client, spending nearly {$1.00} XXXX annually on my Spark business card alone. I have expressed the urgency and impact of the situation through multiple channelsincluding over 20 calls to customer serviceyet I continue to receive generic responses, stonewalling, or no response at all. 

Additionally, I have publicly posted on social media to raise awareness of the issue, and my posts have garnered over XXXX views in one day, reflecting widespread concern and frustration with Capital Ones customer treatment. 

This is not only causing financial harm but emotional distress, as these funds were allocated for essential family and business obligations. Capital Ones lack of responsiveness and disregard for urgency constitutes unfair and deceptive practices under federal consumer financial laws. 

I am requesting the CFPB to investigate this matter and compel Capital One to : 1. Immediately lift any unjustified restrictions or provide a specific, lawful reason for the continued freeze.

2. Offer a formal written response with a resolution timeline.

3. Clarify what compliance or procedural flags ( if any ) triggered the restriction.

4. Compensate for financial harm or damages caused by this prolonged inaction. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent Equifax a certified, legally valid request for my full consumer credit disclosure under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681g ). I enclosed a copy of my valid passport and a current bank statement showing my legal name and residential address both of which are sufficient under federal law to verify my identity.

Despite this, Equifax has refused to send my report. Instead, they are now demanding additional documents ( such as a Social Security card and driver 's license ), which are not required under the law. They are the only credit reporting agency out of the three to reject my legal request and violate my rights.

I have never authorized Equifax to collect or share my personal data, and I am now facing credit denials and financial harm due to Equifaxs refusal to provide the full consumer disclosure Im legally entitled to. I have reason to believe there is inaccurate, incomplete, or fraudulent information on my file that Equifax is knowingly withholding from me.

Their refusal to comply with the law is not only obstructive it may rise to the level of criminal misconduct, as I am being denied access to my own federally protected credit file. I am formally requesting the CFPB investigate Equifaxs practices, enforce FCRA compliance, and compel them to release my full report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Incorrect reporting, never had a credit card and was never corrected after numerous validation request.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: AR

Complaint narrative:
I don't have any knowledge of this company, or contractual agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and notice several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : 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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app deducted a withdrawal of {$600.00} to a person i did not authorize and then upon my compliant closed my account because of fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I reviewed my credit report and found one or more hard inquiries that I did not authorize or initiate. These inquiries are damaging my credit profile and were not tied to any application I submitted. 

I contacted the credit reporting agency and the furnisher of the inquiry, but they failed to provide proof of authorization. Under the Fair Credit Reporting Act ( FCRA ), no company or agency is allowed to place a hard inquiry on my credit report without my explicit consent or a permissible purpose. 

I am requesting that these unauthorized inquiries be investigated and permanently removed from my credit file, as they violate my rights under the FCRA. 

I have attached documentation and screenshots showing the inquiries in question, and I respectfully ask the CFPB to help enforce my rights and hold the credit bureau accountable. 

I have attached my FTC Identity Theft Report and other supporting documents to confirm that I am actively addressing this fraud. I respectfully ask the CFPB to help enforce my consumer rights and hold the credit bureau accountable for correcting this violation. 
Equifax, TransUnion, and Experian are all reporting unauthorized inquiries that are the result of identity theft. '' TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I don't have any knowledge of this company or contractual agreement with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
RE : Account Name XXXX XXXX XXXX Account # XXXX Amount : {$1100.00} Subject : Formal Demand for Immediate Deletion of All Accounts from Credit Report RE : Violation of 15 U.S. Code 1681b ( a ) ( 2 ), 1692c, 1692g, and 1681e ( b ) This serves as a formal dispute and demand for the immediate deletion of all accounts listed on my credit report as they are being reported and maintained in violation of federal law. The following statutes support my request and outline your responsibilities and liabilities under the law : Violations of Federal Law 15 U.S. Code 1681b ( a ) ( 2 ) You are prohibited from furnishing my credit report without my written instruction or permissible purpose. I have not granted authorization for any third-party to access, review, or report any account under my name. Any account listed without my direct consent constitutes a clear violation of this section.

15 U.S. Code 1692c ( FDCPA - Communication with Consumer ) Debt collectors and furnishers are restricted in how and when they may contact a consumer. Continued reporting or communication of these accounts without verified validation or my permission is in violation of this section. You are legally obligated to ensure that communication was conducted lawfully before allowing such data to be included on my report.

15 U.S. Code 1692g Under this section, debt collectors must provide full validation of any alleged debt within 5 days of initial contact. If a debt is not validated or is disputed, it must not be reported. These accounts lack verified, lawful validation and must be deleted from my credit file.

15 U.S. Code 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Failing to verify and validate accounts before including them in my file violates this section. Any unverified, inaccurate, or unauthorized account is a breach of this statute.

Demand for Action I hereby demand that you : Immediately delete all accounts listed on my credit report, as they were reported unlawfully and without my consent.

Provide me with an updated and corrected copy of my credit report reflecting zero accounts within 30 days as required by 15 U.S. Code 1681i. 
Notice of Liability If these accounts are not removed within the required time frame, I will consider your agencies to be in continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Seek legal remedy and damages for negligent and/or willful noncompliance under 15 U.S. Code 1681n and 1681o

Company response to consumer: Closed with non-monetary relief