vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland Credit Management Inc XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXX Reported XX/XX/year> {$1700.00} no account # Reported XX/XX/year> {$4100.00} no account # I do not owe this company and I want this removed

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Unauthorized inquiries : Barclays Bank Delaware XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> I have frozen my account for further credit checks. 

Barclays Bank Delaware : Phone call at XXXXXXXX XXXX XXXX. It was verified that no account has been opened under my name. However an application for a credit card was discovered and I verified I didn't authorize this. They will list this application as fraudulent. It was applied for today and unsure of how application was submitted. 

XXXX XXXX  ( XXXX ) No identification provided on recording and states business hours.

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: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I leased my vehicle through XXXX XXXX When the lease was done I financed the vehicle through XXXX XXXX XXXX XXXX. XXXX XXXX mailed XXXX XXXX XXXX XXXX the title but XXXX  mailed it back to XXXX XXXX  and they have been holding it since 2021. I have a lien release form from XXXX XXXX and a lien release form from XXXX XXXX XXXX XXXX refuses to send me the title to the vehicle even though they were not the company I financed with. They refuse to get me a supervisor when asked and when I was able to perform a XXXX way call between XXXX XXXX XXXX XXXX, XXXX XXXX and myself, XXXX XXXX stated they were unable to find my account. They have been extremely unprofessional and refuse to mail me the title to my vehicle.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following XXXX accounts on my TransUnion credit report, as they contain false and materially misleading information : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX These accounts are reporting 90-day late payments without any prior 30-day or 60-day late entries, which is inaccurate, incomplete, and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Such reporting materially harms my creditworthiness. 
I demand that TransUnion : Immediately investigate these accounts with XXXX for accuracy. 


Remove or correct these accounts if they can not be verified as accurate. 


Provide written confirmation once the investigation is complete. 


Failure to remove or correct these accounts in accordance with the FCRA may result in legal action for willful violations under 15 U.S.C. 1681n and 1681o, including actual and statutory damages. 
I have attached documentation supporting my dispute. This matter requires expedited resolution as per the FCRA.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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: 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CT

Complaint narrative:
I had XXXX prepaid Visa debit cards that I was given as part of a sales promotion, and when I went to activate them, Visa told me they had expired XXXX. XXXX ( {$75.00} ) XXXX. XXXX ( {$75.00} ) XXXX. XXXX ( {$75.00} ) XXXX. XXXX ( {$75.00} ) XXXX. XXXX ( {$75.00} ) XXXX. XXXX ( {$75.00} ) XXXX. XXXX ( {$75.00} ) XXXX. XXXX ( {$75.00} ) XXXX. XXXX ( {$100.00} ) XXXX. XXXX ( {$100.00} ) XXXX. XXXX ( {$100.00} ) XXXX. XXXX ( {$100.00} ) XXXX. XXXX ( {$100.00} ) Total of {$1100.00} They said they would investigate Case XXXX and then told me that since the cards had expired, they would not reissue them and the balances would be lost.

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: GA

Complaint narrative:
I am reporting fraudulent accounts that were opened in my name without my authorization. I did not apply for these accounts or receive any goods or services from them. When I discovered the issue, I contacted the companies and disputed the charges, but the debts were still placed on my credit report as collections. These accounts resulted from identity theft, and I am requesting a full investigation and removal of all fraudulent information tied to my credit. 

I discovered accounts and collection balances on my credit report that I did not open or authorize. My personal information was used without my permission, which makes this a case of identity theft. I contacted the companies to dispute the accounts, but the fraudulent debts have remained on my report and are causing ongoing harm to my credit. I am requesting that these accounts be fully investigated and removed, since I was not involved in opening them or making any charges ACCOUNTS IN COLLECTION THAT ARE NOT MINE XXXX XXXX XXXX {$6200.00XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$230.00} ACCOUNTS NOT MINE XXXX XXXX  XXXX {$29000.00} XXXXXXXX XXXX XXXX {$560.00} XXXX XXXX  {$1300.00}

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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 accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: IN

Complaint narrative:
Attempted to make a deposit via XXXX to my newly opened Charles Schwab checking account on XX/XX/year> after I had previously made a few smaller deposits using other methods however the transaction would not go through after a few attempts. The next day I tried again but found out that my account had been suspended. I called Charles Schwab and was told that need to submit verification via ID or Passport to which I immediately sent in a photo of my passport. I waited over the weekend and called in Tuesday XX/XX/year> to which I learned that the verification was received and the suspension would be lifted in a few business days. I waited a few days and my account was still suspended so I called back and was informed that the verification of my passport was never logged into the system this time I was told that Charles Schwab needed to reach out to XXXX to inform them that I had been verified and that everything will be cleared in 3-5 business days. The next morning I attempted to access my account to which I was shocked to find out that my Schwab mobile app access had been blocked. I called them immediately and was told that need to verify myself even though I have already provided them with passport photo and security code from mobile app. They were now asking for a verification code from my phone number which is not operable because I am current just moved abroad which I had made them aware off. I was not given any help and was hung up on multiple times. I called back XX/XX/year> to which I was asked to verify sensitive personal security questions from Records, upon answering these personal questions about myself, past and close family members a supposed and/or person impersonating employee Charles Schwab employee named XXXX ( wouldnt not give me his last name ) of the XXXX XXXX Schwab Branch hung up on me after I had given answered all of this personal and sensitive verification information i immediately called back and was connected with XXXX XXXX XXXX XXXX XXXX I explained what just happened to him and asked to be connected with XXXX the previous associate. After being on hold I was told by XXXX that XXXX was unavailable even though he spoke with him and was told by him that the call dropped XXXX then wanted me to verify myself again even though I had just given them my personal sensitive security answers. XXXX then requested a Notorized Authorization of usuage of my Charles Schwab account to verify myself even though I have already provided them given them multiple documents such as passport and personal sensitive security answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
been receiving mail for years with my name with is not for me middle name is wrong 1st name and last name misspelled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I sent the company a cease and desist letter they are reporting inaccurate information to a third party

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 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: Imprint Payments, Inc.
State: CA

Complaint narrative:
I have a XXXX and XXXX visa signature card that was recently issued during a change over from XXXXXXXX XXXX to Imprint as the card issuer. I received the primary card holder card in the mail. The secondary card holder card never arrived. I never activated either of the two cards.

Sometime after the changeover, I logged into Imprints system, and noticed just shy of {$1200.00} of charges to my account. I verified that my account showed all cards were inactive, except for an automatic virtual card issued by imprint. I contacted imprint to ask what happened and to dispute the charges. They were unable to explain how an inactive card was allowed to be used. The charges came from the secondary card holder card, which was still inactive. They only offered to re-issue the cards and place the and place the charges in dispute as well as opening an investigation.

The charges are still in dispute and they are not able to provide me any information as to the status of the dispute or when it will be resolved. In the meantime, they have not issued a temporary credit for the disputed charges and I am due to make a payment on XX/XX/XXXX or risk, late fees, interest, and potential credit impacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
To Whom It May Concern : I have been having an issue with my student loan account ever since loan payments restarted. I have never made a late payment and I made payments on my loan throughout the COVID pause. When payments restarted, I not only made the monthly payment required but I have also been making an additional {$500.00} payment per month. I also payed off one of the loans in it's entirety, which is now XXXX of my loans that are paid off. 

The platform is under the servicer EdFinancial. My account number is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The last XXXX of my XXXX are XXXX. 

The Account summary in XXXX stated that I had not made my payment even though I paid extra. I called Customer Service and it was fixed. It happened again on XXXX and since then, they have not been able to fix it. The account currently thinks I am over 45 days delinquent even though I am still paying $ XXXX mo XXXX payment is {$830.00} ). I have spoken with Customer Service several times and there are notes on the account but nothing is happening and I don't want this affecting my credit score which is over XXXX. They have been very nice and have escalated the IT issue but I am getting phone calls and emails that I am delinquent when I am not. They told me it won't get reported for 90 days but we are over half way there and I don't want to have to deal with challenging an incorrect report to my credit. The account history shows the payment are being made and processed and the total reflects the payments made but they told me there is ' a delinquency stuck on my account '. 

I just want this resolved. I am at the point of taking out a private loan to pay this off but am concerned that the account will still show that I owe money that I don't owe. 

I don't know what else to do at this point so I want it documented somewhere other than Dept of Ed that I am not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLC are violating my consumers rights.Collection has not provided validation under 12 Cfr 1006.34 ( b ) ( 5 ), but put a collection on my consumer credit report.I have nlt been given a chance to dispute account in accordance with 12 Cfr 1006.34 ( c ) ( 4 ) ( I ) .Collect agency is violating my consumer rights by using false, misleading, misrepresentation and deceptive means.Collection agency do not have the authority to furnish accounts to a consumer repoting agency without providing any and all disclosures by LAW and they are in clear violation of 12 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing all debts they say I owe I am revoking all rights of communications with me by emails, calls and chats. I am requesting a Purchase agreement between debt Collector and DEBTOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
In late XXXX, I was notified through a credit monitoring service that my Fortiva account had been closed without any prior notice. Immediately after receiving the alert, I began contacting Fortiva to understand what happened. I was given conflicting explanations : 1. That Fortiva had been unable to reach me to reissue a card, and 2 That the account could not be reissued due to past payment history. 

Both explanations are inconsistent, and neither provides a valid or sufficient reason for closing the account without notice. 
After the account was closed, I was locked out of online access, which prevented me from making payments or reviewing my account. Despite this, Fortiva continued to send billing notices and assess late fees. I informed Fortiva that I would set aside the usual monthly payment amount but would not make further payments until the account status and validity of the debt were clarified and documented in writing. 

On XX/XX/XXXX, I mailed a formal validation and documentation request to Fortiva via certified mail. I have not received a response that resolves the issue or provides the required documentation. Instead, I recently received a general request for payment with an offer to remove late fees, yet Fortiva still has not addressed the underlying dispute. 

Given that the XXXX  Office of Financial Regulation announced a settlement in XX/XX/XXXX involving Fortiva Financial, LLC, The XXXX XXXX XXXX, and Atlanticus Services Corporation for alleged unlicensed retail credit activities and violations of state credit laws, I am concerned that my account may have been improperly managed or unlawfully serviced. 

I am requesting the CFPBs assistance in obtaining : 1. Written validation of the alleged debt ; 2. A clear explanation for the account closure ; 3. Confirmation that Fortiva was properly licensed at the time my account was originated and serviced ; 4. Removal of any improperly assessed late fees or derogatory credit reporting ; and 5. Documentation confirming the lawful status of the account. 

I have attempted to resolve this directly with Fortiva, but the company has not provided clear information or documentation. Given the ongoing confusion, lack of transparency, and my inability to verify the account, regulatory intervention is necessary.

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged and credits. This issue aligns with recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief