vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXXXXXX 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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX my husband, XXXX XXXX, used my XXXX XXXX debit card at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA atm number XXXX. After he deposited a cash amount that was between {$690.00} and {$700.00} the atm took the cash and did not credit our XXXX XXXX account. An error receipt printed out and the screen said We are sorry unable to process. XXXX made a flame and our checking account was given a provisional credit. After a month, XXXX XXXX took our credit. I made a claim and received another {$700.00} credit that was denied and again the credit was taken today XX/XX/XXXX. There has been a lack of urgency and understanding with XXXX XXXX. Bills that were going to be paid can no longer be posted to our account because it is now negative. The only option XXXX XXXX has given my husband and I is to submit another claim and wait 45 days. This has gone on way too long and we would like assistance making this matter urgent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I previously submitted a certified identity theft block request to [ Insert Bureau Name ] ( XXXX, XXXX, or Equifax ) on XX/XX/2025, under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ). My request included a valid FTC Identity Theft Report, a police report, proof of identity and address, and a written list of fraudulent accounts, inquiries, employers, and addresses to be blocked. 

The law requires the credit bureau to block the disputed information within 4 business days of receiving these documents. Instead, the company responded through the CFPB portal stating it is " still working on the issue '' and may take up to 60 days. This is not a valid response under 15 U.S.C. 1681c-2.

They are unlawfully treating this identity theft block request as a standard dispute under 1681i, which allows a 30-day investigation. That does not apply here. Identity theft block requests under 1681c-2 require immediate blocking, not investigation or delay. 

I have attached the original documentation and the companys noncompliant response for your review. I am requesting immediate intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company did not notify me of any attempt to collect debt or sue me. They took money out of my account because my husband was on it and they claimed to have sent my husband paperwork about being sued at XXXX addresses we havent lived at or been associated with in over 6 years. They had this recovery service take {$1500.00} out of my husbands account at XXXX XXXX on XX/XX/XXXX. Then on XX/XX/XXXX, they sent the same paperwork to collect on the same debt they claimed he owes from my account at Bank XXXX XXXX. The amount take from the XXXX XXXX account was also the full amount of what the judgment papers said that we acquired from XXXX XXXX on XX/XX/XXXX. The receive company XXXX XXXX XXXX refuses to talk to me or my husband. They refuse to make this right and have stolen money from my account because the alleged debt was paid from my husbands account already. The representative actually hung up on me and refused to even talk to me, even though its my account they pulled the money from. My husband asked for paperwork regarding this on XX/XX/XXXX, and as of today ( XX/XX/XXXX ) we have not received it. We only have what the bank gave us on XX/XX/XXXX after refusing to give us any copies of the order on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have written to Mohela to provide information regarding proper discharge of my debt as they have failed to and XXXX promissory note as they are not my original loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 


Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : Unverified account Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : Unverified account Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
Today, I saw inaccurate information on my credit report, and Im confused as to why it's there. I check my report regularly, and these discrepancies appeared out of the blue. I attempted to refresh the page thinking it could be a browser glitch, but nothing changed. Due to this, I kindly ask that the documentation I submitted be carefully reviewed so I wont have to deal with this problem again.

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 2025-05-20 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 


Account Name : XXXX Account Number : XXXX * * * * Reason : Unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} SXXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX ) {$1000.00} XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$650.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ), credit reporting agencies are required to ensure maximum possible accuracy and to promptly investigate and correct any inaccuracies upon notification. 
Account XXXX XXXX XXXX XXXX In accordance with 15 USC 1681 e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum accuracy. I request that you investigate these inaccuracies. Furthermore, under 15 USC 1681 i ( e ), I request that you correct or delete the disputed information as required by law. 
Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me at XXXX or via email at XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-20 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: Heritage Financial Group, Inc.
State: NC

Complaint narrative:
Heritage Acceptance is negligent and did not remove the wrongful credit check from my consumer report. I am seeking damages due to lack of resolution under the FCRA because of emotional damage and lack of opportunity for financing I have experienced due to this inquiry not being removed since originally requested in previous CFPB request completed in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within four ( 4 ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ). 

Please remove unauthorized inquiries. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX - XX/XX/year> XXXXXXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> And please remove inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Soft Inquiries on consumer report XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX for {$1400.00} 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 2025-05-20 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: IL

Complaint narrative:
Upon reviewing my recent credit report, I discovered unauthorized accounts and/or inquiries that I did not initiate or authorize. These fraudulent accounts are negatively impacting my credit and hindering my ability to obtain credit for legitimate purposes. I did not apply for or approve these accounts, nor did I authorize anyone else to use my personal information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Westlake Financial CFO XXXX XXXX allowed a state violation of my Ohio Revised Code under UCC 1309.609/UCC 9-609 i filed a Replevin action with the attorney general of Ohio on XXXX XXXX which is also in violation of UCC XXXX XXXX Westlake refused on a XXXX conversation thats recorded at XXXX XXXX  XXXX to allow my son to retrieve personal property including medication the life threatening if I cant use it. Amongst other property im the vehicle in the total amount of XXXX. Ive sent Westlake cfo and cease and desist letter through the cfpb and also certified mail. And they violated 15 USC 1692 ( C ) and 15 USC 1692 ( F ) Under OHIO REVISED CODE 2913.49 identify Fraud 18 U.S.C 1028 A Aggravated identity theft a mandatory 2 year prison sentence for giving a repossession company my personal information far as address social security number and other personal information that violated my consumer protection rights a order was made from Westlake CFO to send a repossession company to my personal address remove my personal property off of my private property without consent or a court order the repossession company is not apart of the contract this is also social security fraud giving my personal information to a third party company without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, I was contacted by someone impersonating a lawyer from a fake law firm called XXXX XXXX XXXX XXXX XXXX. They told me my brother had been in a car accident involving a pregnant woman, was in police custody in Virginia, and needed urgent money for bail. 

They provided me with specific details and pressured me emotionally to act fast. I was unable to contact my brother at the time, and I believed the situation was real. Under distress, I sent {$1400.00} through Cash App to the user handle XXXX XXXXXXXX ( display name XXXX XXXX XXXX. 

After the payment was sent, the caller attempted to request more money. Later that day, my brother contacted me and confirmed he was never in an accident and had been XXXX XXXX all day aboard his XXXX XXXX ship. His supervisor also confirmed this. I immediately filed a police report with the Waterbury Police Department, which documented all details, including the scammers phone number, the amount, the method of payment ( Cash App ), and their recommendation not to send more money. 

I submitted this police report and supporting evidence ( texts, screenshots ) to both Cash App and my bank, XXXX XXXX. XXXX XXXX  issued a provisional credit but later reversed it. Cash App denied my initial claim and has so far not reimbursed me. 

This was a sophisticated impersonation scam and I was manipulated under emotional distress. I am requesting the CFPBs assistance in having either XXXX XXXX  or Cash App take appropriate action to resolve the matter and refund the {$1400.00} XXXX lost due to this fraudulent scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
My vehicle was recently stolen, and along with it, all of my personal belongings, including my Chime debit card. The individual who stole my car used my card to make multiple unauthorized purchases at various locations, totaling approximately {$450.00}. 

I immediately reported the theft to the police and filed a formal police report. I then submitted a dispute with Chime, including the police report and all relevant documentation. Despite this, Chime has refused to return the stolen funds. 

Chime claims to have completed an investigation, but the only information in their final report was what I had provided them. They have offered no explanation for denying my dispute and will not provide any further details about their decision or investigative process. 

After researching online, I have found this is not an isolated incidentmany other customers have experienced similar issues with Chime refusing to refund clearly unauthorized transactions. I feel that I have exhausted my options with Chime directly and am now seeking assistance from the CFPB. 

I would greatly appreciate it if someone could contact me to help resolve this issue and recover my stolen funds. My dispute number with Chime is # XXXX. 

Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation