vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I do not recognize any of the charges made on this card. This balance shown on my account is inaccurate and not current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve any inaccuracies on the credit report ; otherwise, you must delete them from my credit file. 

CREDIT INQUIRIES I did not authorize anyone employed by the companies listed below to make inquiries or view my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with the companies in question and provide me with copies of any documentation bearing my signature that authorizes such inquiries. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

I am aware that the FCRA permits pulling a consumers credit report only for the following purposes : A firm offer of credit, Insurance, Court order, or Employment. 

Since I never authorized the inquiries listed below, I request that your agency remove them from my credit report. 
INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent account information. 

I demand to see verifiable proof ( an original consumer contract with my signature on it ) for the account listed below : XXXXXXXX XXXX XXXXXXXX XXXX Your failure to positively verify this account has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide a copy of verifiable proof, you must delete this account from my report. 

NOTICE Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf, with my full knowledge and consent. I am also aware that no statute in the FCRA requires me to provide you with a Power of Attorney, nor does the absence of such documentation allow you to delay the processing of my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve any inaccuracies on the credit report ; otherwise, you must delete them from my credit file. 

CREDIT INQUIRIES I did not authorize anyone employed by the companies listed below to make inquiries or view my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with the companies in question and provide me with copies of any documentation bearing my signature that authorizes such inquiries. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

I am aware that the FCRA permits pulling a consumers credit report only for the following purposes : A firm offer of credit, Insurance, Court order, or Employment. 

Since I never authorized the inquiries listed below, I request that your agency remove them from my credit report. 
INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent account information. 

I demand to see verifiable proof ( an original consumer contract with my signature on it ) for the account listed below : XXXXXXXX XXXX XXXXXXXX XXXX Your failure to positively verify this account has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide a copy of verifiable proof, you must delete this account from my report. 

NOTICE Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf, with my full knowledge and consent. I am also aware that no statute in the FCRA requires me to provide you with a Power of Attorney, nor does the absence of such documentation allow you to delay the processing of my correspondence.

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 2025-09-24 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, my mobile phone was stolen. They must have seen me type in my password, then they knew it to gain access into my Cash App account. The thief accessed my Cash App account without my permission and transferred {$9000.00} from my linked U.S. Bank account into my Cash App account. I did not authorize this transfer. They then inserted their own bank accounts into my Cash App account and withdrew the money. I had no knowledge of this and I did not authorize this either. This is a case of identity theft and unauthorized electronic funds transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: OH

Complaint narrative:
A settlement was offered by the company to pay the remaining balance, but I was charged after the settlement date for three times the agreed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: DE

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I paid {$500.00} from my Chime account to a seller named XXXX XXXX for XXXX XXXX tickets that were listed on XXXX XXXX. The moment I sent the payment through XXXX, the seller blocked me on XXXX. 
After being blocked, I used XXXX 's own charge lookup tool for information. It listed the seller 's phone number, a XXXX XXXX address, and only an XXXX page for a website. I texted the phone number asking for a refund but received no reply. 
I immediately filed a fraud claim with Chime ( Claim # XXXX ). Despite the evidence, Chime denied my claim and said " no error occurred. '' I believe Chime 's investigation was completely inadequate. The seller blocking me right after payment, using an XXXX page as their business website, and not responding to texts are clear signs of a scam. I was able to find all of this myself in minutes. It feels obvious that Chime did not perform a real investigation, and I need help getting my {$500.00} back from this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccuracies in the billing and reporting of my account, which have negatively impacted my credit profile. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are required to accurately reflect payments and credits. However, the following issues have arisen : Payments I submitted were not properly recorded. 

There are clear calculation errors in the reported amounts. 

I did not receive the legally required 21-day notice before a payment was due, rendering any late payment marks invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Good Morning, I previously had a credit card with XXXXXXXX XXXX through XXXX XXXXXXXX, but the card was lost, and I closed the account in 2018. The original account number is XXXX. 

Despite explaining multiple times, I continue to receive calls stating, you have to pay what you use. It has now been seven years, and this account has caused severe damage to my credit. Unfortunately, this has had a devastating impact on my life. I was diagnosed with XXXX XXXX, and due to my damaged credit, I have been unable to access certain financial resources and opportunities that could have supported me during this difficult time. 

I am requesting that this matter be reviewed and resolved, as it is both inaccurate and unfairly affecting my credit standing. 

Thank you for your time and attention to this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$30.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
Improper Re-Aging of Debt This account from smile direct has been deleted from my report on more than one occasion, yet has been reinserted with a new opened date to appear recent. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections governing accurate reporting and the prohibition against re-aging accounts. 
Unauthorized Inquiry XXXX XXXX XXXX conducted a hard inquiry without my knowledge or consent. I did not authorize them to access my credit report, and this is an improper use of my consumer credit file under FCRA 604.

Failure to Provide Verification I have disputed this account multiple times. Experian has not provided the legally required verification of the debt, as mandated by FCRA 611.

Requested Action : Permanently delete this account from my credit file. 
Remove the unauthorized inquiry by XXXX XXXX XXXX. 
Provide written confirmation that this account will not be reinserted without full compliance with FCRA reinsertion procedures ( 611 ( a ) ( 5 ) ( B ) ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander claims they gave me a loan but it was a value for value transaction under UCC 9. They also claim to be creditors with a misleading predatory contract to profit more than what the contract says. Santander and their partnered XXXX used fraudulent inducement for me to sign to their terms and conditions without me having full disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The collection had popped on my credit and destroyed my credit. It is making my life hard and I don't know where it came from. This has hindered me. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-24 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: CO

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