vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit file being reported by TRANSUNION. These accounts contain misleading or unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), applicable federal law, and Washington State consumer protection statutes. Under the FCRA ( 15 U.S. Code 1681i ), credit reporting agencies are required to conduct timely and reasonable investigations into disputed information and ensure all data reported is accurate and up to date. 

XXXX XXXX XXXX Account # XXXX This account was opened on XX/XX/XXXX, and is currently reported with a balance of {$15000.00} and marked as closed, with 180 days late status. I dispute the accuracy of both the reported delinquency and the current balance. The prolonged late payment marking must be reviewed and either verified with full documentation or removed. Failure to correct outdated or incorrect information violates both the FCRA and Washington XXXX XXXX. 

XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX ) and XXXX  XXXX Account # XXXX ( Opened XX/XX/XXXX ) The first account reflects a balance of {$9900.00} and is marked as charged off, while the second shows a balance of {$1800.00} with negative payment history. I dispute the accuracy of the charge-off designation and reported balances. Neither account has been properly validated or updated to reflect the current status. These inaccuracies are causing continued damage to my credit profile and must be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was opened on XX/XX/XXXX and is also reported as a charge-off. I have not received any formal notice or verification of this charge-off from the original creditor. Reporting this status without proper substantiation is not only a violation of the FCRA but XXXX also breach Washington State laws prohibiting inaccurate or unverifiable negative reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX, this account is currently reported as charged off with a balance of {$20000.00}. I dispute the legitimacy of the charge-off status and request verification from the original creditor. TRANSUNIONs continued reporting of this unverifiable derogatory mark is legally actionable if not promptly corrected.

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 2025-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this follow-up complaint to clarify that Capital Ones response does not address the full documentation I provided. You closed my last complaint because the company responded. That does not mean they resolved the problem or even read the documentation submitted. Their repeated claim that my submission lacks all of the previously requested information is inaccurate. I included : - Signed agreement with Seller Appointment Hub with Terms tha
t clearly state the new agreement supersedes all prior agreements and replaces all terms.

-Screenshots showing {$300.00} charged is not part of any current agreement.

- Proof of payment for the {$1000.00} charge for the new agreement- Communications with the merchant confirming expectations Capital Ones response fails to acknowledge these materials and instead repeats a generic denial. I respectfully request that the CFPB review the attached packet and ensure that Capital One is held accountable for a fair and complete investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
In XX/XX/XXXX, We received Notice from the XXXXXXXX XXXX XXXX  that our XXXX XXXX XXXX  is trading with the XXXX XXXX  and is listed as an XXXX XXXX. We hereby request that XXXX XXXX provide all records, logs, assignments, security collateralizations, financial instruments, or securities produced on the Financial Security Instrument which Navy Federal previously errantly stated that it was not a valid instrument. In fact the XXXX backing it is trading on XXXXXXXX XXXX XXXXXXXX beginning with the XXXXXXXX XXXX XXXXXXXX... Such is XXXX XXXX evidence that the XXXX XXXX  has accepted the XXXX which backs the certified funds instrument that Navy Federal previously alleged was invalid. THIS IS NOT A DUPLICATE claim. This is materially different in that the XXXX XXXX has confirmed the XXXX is trading as of XX/XX/XXXX. 

We request that Navy Federal Credit Union conduct an internal audit, and provide us with all records, logs, disposition, securitization, assignments, chain of custody, disposition, issuance of financial instruments, pooling of the security, trading of the security, and all other documentation linked to the whereabouts and disposition of the security financial instrument that we had tendered to settle the mortgage and any outstanding loan amounts in about XXXX XXXX. As of XX/XX/XXXXXXXX XXXX XXXXXXXX confirmed that the XXXX XXXX... was trading. 

We request a forensic audit by CFPB and NCUA of Navy Federal Credit Union related to this matter.

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-10-01 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: MD

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of certain information appearing on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), this letter serves as both a notice of dispute and a demand for compliance. 

The following item ( XXXX ) are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted immediately : XXXX XXXX XXXX Under 15 U.S.C . 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1681o, any negligent failure to comply with the requirements of the FCRA makes your agency liable for actual damages, attorneys fees, and costs incurred as a result of noncompliance.

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 2025-10-01 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: MD

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of certain information appearing on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), this letter serves as both a notice of dispute and a demand for compliance. 

The following item ( XXXX ) are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted immediately : XXXX XXXX XXXX Under 15 U.S.C . 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1681o, any negligent failure to comply with the requirements of the FCRA makes your agency liable for actual damages, attorneys fees, and costs incurred as a result of noncompliance.

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NY

Complaint narrative:
upon checking my mail today I recieved a letter from American Coradius International LLC stating that i owe them XXXX had never dealt with this company before so therefore i do not owe them.i demand that they cease and desist all communications with me wether its written or by phone or reporting on credit reporting etc.or else i will take legal action.i have a lawyer on standby im also asking verification of this debt in question and validation and provide the method used to validate and verify

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I disputed a collection for inaccurate balance through XXXX and it remains on my credit. I also mailed a debt validation letter to the collection agency and they havent responded. The collection agency is adding interest and there is nothing in the original lease that says so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I took out a personal loan from Wellsfargo bank account number : XXXX to invest in a business name XXXX XXXX XXXX which I later found out that it was a Scam. The owner of the company name is XXXX  XXXX, XXXX been arrested for WIRE FRAUD and currently in federal prison, case number : XXXX. Heres the detail to his case XXXX XXXX XXXX XXXXXXXX I requested Wells Fargo to XXXX XXXX wire of personal loan I sent to XXXX XXXX. It is currently under investigation. The problem is that I cant afford to pay the loan because XXXX not getting a return from the the investment. I asked Wells Fargo to pause the payment while the case is still going, Wellsfargo REFUSED to pause the loan. XXXX not asking them to wipe out the loan, Ive been with Wells Fargo since XXXX  and they have XXXX care. Such HORRIBLE. Customer service and INCONSIDERATE.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing.

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent.

The balance, past due amount, and status are not accurately reported.

The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, ramise XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-01 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The employer listed is inaccurate. I am currently XXXX under 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 2025-10-02 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : DEPT OF EDUCATION/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> - Balance {$1600.00} DEPT OF EDUCATION/XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/year> - Balance {$1600.00} DEPT OF EDUCATION/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/year> - Balance {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern at Experian, I am formally disputing the reporting of accounts that appear on my credit report under my name. I did not authorize these accounts, nor did I submit any application or request that would allow these accounts to be reported as mine. These accounts are inaccurate and must be deleted from my credit report immediately. 
I have attached an affidavit detailing the specific accounts I dispute. Please treat this affidavit as part of my official dispute under the Fair Credit Reporting Act ( FCRA ). 
I want to make clear that courts have already held Experian responsible in situations like mine. In Younger v. Experian Information Solutions, a jury initially awarded the plaintiff {$5000.00} in compensatory damages and {$3.00} million in punitive damages because Experian failed to reasonably investigate and correct false information that did not belong to her. This case, along with other lawsuits, proves that consumers like me are harmed when Experian fails to properly investigate or allows unauthorized and inaccurate accounts to remain. 
I demand that Experian conduct a full and fair reinvestigation, remove the unauthorized accounts, and correct my credit file immediately. Failure to do so will leave me no choice but to pursue all legal remedies available. 
Respectfully, _________________________

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 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: RI

Complaint narrative:
I am filing a formal complaint against GoodLeap regarding a solar panel financing agreement that has resulted in financial harm, lack of transparency, and possible fraudulent practices. 

Despite assurances that my solar system would significantly reduce or eliminate my electric bill, the system has consistently underperformed. I am now forced to pay both my utility company and GoodLeapresulting in higher monthly costs than before installation. This contradicts the original sales pitch and violates reasonable expectations of performance. 

GoodLeap has refused to provide a full breakdown of my charges, including how payments are calculated and why they have increased over time. I have requested this information multiple times and have received vague or no responses. This lack of transparency raises serious concerns about the legitimacy of the loan terms and billing practices. 

Additionally, I have discovered that GoodLeap is the subject of numerous complaints and lawsuits across various states, including allegations of fraudulent solar financing, synthetic identity misuse, and contractor misconduct. These patterns mirror my experience and suggest systemic issues.

I believe GoodLeap has violated consumer protection laws through : - Misrepresentation of solar system performance - Failure to disclose full financial terms - Unjustified payment increases - Refusal to provide documentation - Possible collusion with contractors who failed to deliver promised services

Company response to consumer: Closed with explanation