vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I paid a Navy Federal member {$3000.00} for credit repair and funding services that were never delivered. The person guaranteed a 21-business-day turnaround for increasing my credit score to XXXX and providing funding from the bank. 

I paid two separate transfers of {$1500.00} each ( XX/XX/XXXX & XX/XX/XXXX ). I have screenshots of these transfers. 

After payment, he repeatedly delayed the services, requested more money to stay on timeline, then stopped responding. He only increased my score by minimal amounts ( XXXX points between XX/XX/XXXX and XX/XX/XXXX ), did not complete the service, and finally blocked me, abandoning all work. 

I have text messages showing the timeline he promised, the deliverables, his request for the second payment, and proof he blocked me after taking the money. 

This is fraud and misrepresentation. I am requesting Navy Federal to reverse the transfers or reimburse me for services not rendered. 

I can upload Proof of payments Messages showing the promised 21-day timeline Messages showing him demanding more money Proof he blocked me Proof he stopped providing services Credit score report he said was completed work, which does not match what he sold me Please investigate and assist me in recovering the {$3000.00} lost due to this fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
when i disputed fraudulent accounts on my credit report, I never got a proper investigation. these accounts are negatively impacting me by still being on my report. The only thing that i received was a letter that I didn't provide enough information for them to do an investigation. I will upload everything that i sent to all three credit bueras. the accounts that are fraudulent are XXXX ( {$3200.00} ), XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ) the credit bueras are in violation of 15 usc 1681i and 15usc 1681 ( e ) ( b ) by not looing into my dispute and investigating like they should

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
when i disputed fraudulent accounts on my credit report, I never got a proper investigation. these accounts are negatively impacting me by still being on my report. The only thing that i received was a letter that I didn't provide enough information for them to do an investigation. I will upload everything that i sent to all three credit bueras. the accounts that are fraudulent are XXXX ( {$3200.00} ), XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ) the credit bueras are in violation of 15 usc 1681i and 15usc 1681 ( e ) ( b ) by not looing into my dispute and investigating like they should

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing in regard to the above-referenced account, which you allege is associated with me.

This letter serves as a formal dispute of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting full validation and verification of this debt, including : - Proof that I am legally obligated to pay the debt ; - The name and address of the original creditor ; - A complete payment history ; - Documentation bearing my signature ; - Any additional evidence supporting your claim.

Until you provide proper written validation, you must cease all collection activity.

Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this alleged debt, except as permitted by law specifically : 1. To confirm that you will cease further communication ; or 2. To notify me of specific legal actions you intend to take.

Any further attempts to contact me outside these exceptions will be considered a violation of federal law. If such violations occur, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney General, and I reserve the right to pursue civil action.

Thank you for your prompt attention to this matter.

Please send all required debt validation documentation to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: PA

Complaint narrative:
I am a victim of identity theft. These accounts do not belong to me and I dont understand how someone was able to do this and get a hold of my information! Please remove the following items, I have enclosed my passport for identification purposes as well as an FTC 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 non-monetary relief
Consumer complaint received 2025-11-23 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: PA

Complaint narrative:
I am a victim of identity theft. These accounts do not belong to me and I dont understand how someone was able to do this and get a hold of my information! Please remove the following items, I have enclosed my passport for identification purposes as well as an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: NC

Complaint narrative:
I am sending to formally dispute inaccurate items appearing on my credit report. These inaccurate addresses, chargeoff accounts, late close accounts collection and inquiries have caused confusion and misrepresentation of my credit profile. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these unverifiable and misleading items permanently deleted from my credit report. 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 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 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 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 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 XXXXXX/XX/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 2025-11-23 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: NC

Complaint narrative:
I am sending to formally dispute inaccurate items appearing on my credit report. These inaccurate addresses, chargeoff accounts, late close accounts collection and inquiries have caused confusion and misrepresentation of my credit profile. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these unverifiable and misleading items permanently deleted from my credit report. 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 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX. XXXXXXXX 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 2025-11-24 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: MI

Complaint narrative:
when i disputed fraudulent accounts on my credit report, I never got a proper investigation. these accounts are negatively impacting me by still being on my report. The only thing that i received was a letter that I didn't provide enough information for them to do an investigation. I will upload everything that i sent to all three credit bueras. the accounts that are fraudulent are XXXX ( {$3200.00} ), XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ) the credit bueras are in violation of 15 usc 1681i and 15usc 1681 ( e ) ( b ) by not looing into my dispute and investigating like they should

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 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C.1 1601, 1692 et seq. This constitutes timely written notice that I dispute the purported debt referenced in your communication ( XXXX ) received on XX/XX/XXXX. I am not refusing to pay a valid debt, but I am demanding validation of this alleged debt before any further collection activity occurs.

15 U.S.C. 1692e prohibits " false, deceptive, or misleading representation or means in connection with the collection of any debt. '' This includes : 1. The false representation of the character, amount, or legal status of any debt ; and 2. The threat to take any action that can not legally be taken.

3. I contend that your communication ( s ) lack sufficient information to establish the validity of this alleged debt, including, but not limited to, vital citations and a clear demonstration of your agency 's jurisdictional and statutory authority to collect this alleged debt from me.

4. Pursuant to 15 U.S.C. 1692g ( b ), Validation of Debts, I demand that, within 30 days of your receipt of this letter, you provide the following documentation to validate your claim : 5. A copy of the original contract or agreement bearing my signature that allegedly creates my obligation to pay this debt.

6. The name and address of the original creditor.

7. An accounting of the debt, including the original amount, any payments made, and any fees or interest charges.

8. Evidence that your organization is legally authorized to collect this debt.

9. I have no recollection of entering into any agreement with your organization that would create such an obligation, and I hereby dispute the existence of any valid contract between us.

10. Pursuant to 15 U.S.C. 1692g ( c ), if you fail to provide the requested validation within 30 days, you must cease and desist all collection activities. This includes, but is not limited to : Any further contact with me by mail, phone, in person, or at my home or work.

Contacting my employer, bank, or any other third party.

Reporting any derogatory credit information to any credit reporting agency regarding this disputed debt.

Filing any lawsuit, lien, or levy related to this disputed debt.

Any attempt to collect this debt without providing proper validation will be considered a violation of the FDCPA and may subject your agency and any individual involved to liability for actual damages, statutory damages, and attorney 's fees.

I declare under penalty of perjury under the laws of the United States of America ( non-incorporated ) that the foregoing is true and correct to the best of my knowledge and belief. 



Sincerely, XXXX XXXX XXXX private recorded copyright 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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been receiving calls from a variety of numbers almost everyday and sometimes multiple times a day. Upon XXXX  the numbers they always comes back to portfolio recovery associates. They never leave a voicemail, nor have I received anything in writing from them in the mail, so I have no idea what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I reported unauthorized debit card transactions to TD Bank. My account had a XXXX balance when these charges occurred, so the fraudulent transactions caused an overdraft of over {$1000.00}. TD Bank closed the investigation in approximately 48 hours and denied my claim without conducting a reasonable investigation. The bank then used my direct deposit to cover the overdraft created entirely by fraud. I received no provisional credit. I am requesting the bank restore my direct deposit, remove the overdraft created by unauthorized transactions, and conduct a proper Regulation E investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
When I was younger, I used a cash advance app without fully understanding the terms, fees, or consequences. I took out multiple advances that I could not afford to repay, which led to mounting fees and financial hardship. At the time, I had little financial knowledge and was not aware of the long-term impact of using these services. I believe I was taken advantage of because the app targeted young users like me who lacked experience with credit and financial management. I am seeking assistance to address the debt, fees, and any unfair practices associated with my use of this service.

Company response to consumer: Closed with explanation