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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore 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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
My debt was sold to a third party, I asked them to stop calling me but they continue to do so. They call, text me almost on a daily basis and threaten to take me to court if i dont pay. That account was charged off and a third party purchased that debt from the original debtor.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Transunion 's action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in CFPB 'S recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation,

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Debt collector Aargon Agency, INC failed to provide a debt validation notice and has failed to provid any information to me about a debt no mail has ever been sent and this againts the law and they should dealt with

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Have money on my XXXX  card but I dont have access on my account

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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
They never removed it off my credit and had been hurting me

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Block, Inc.
State: TN

Complaint narrative:
After funds were deposited to my Cashapp account ( {$2200.00} ) from XXXX on XX/XX/year>2025, I made several transactions based on what was shown as available funds. 
I received confirmation codes from Cashapp that the funds for one payee ( XXXX XXXX XXXX  - two accounts ), and the balance on the Cashapp reflected the funds had been deducted. I also made a payment to XXXX XXXX XXXX XXXX ) which also was shown on my Cashapp as deducted. These transactions were all on XX/XX/year>2025. 
I, later that day, initiated a few other transactions- based on the information/ balance ( from Cashapp ) that the available funds reflected payments completed. 
A few days later ; around XX/XX/year>2025, I received notifications that those credit card payments failed for lack of funds. Since Cashapp balances after said specific transactions reflected the funds as being deducted, I've repeatedly been asking the Cashapp customer service where did the ( deducted ) funds go. I've yet to get a satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
i contacted oliphant they stated they purchased my debt from XXXX XXXX bank XXXX XXXX point. i contacted lending point and they said they are unable to provide statements that the account was sold to " accelerated inventory management, llc. they also provided a number to call i call the company and the phone number was not valid. i cross checked addresses and the address matches the same as oliphant. this debt should be completely removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This account, reported by Credence Resource Management, does not belong to me. I was never contacted or notified regarding this debt before it was reported to the credit bureaus. This is a violation of the Fair Debt Collection Practices Act, specifically under section XXXX, which requires debt XXXX to provide a written notice containing details about the debt within XXXX days of initial communication. Additionally, under the Fair Credit Reporting Act, you are required to ensure the accuracy and completeness of the information you report. Because I was not notified of this debt and have no knowledge of it, I am disputing its validity and requesting that it be removed from my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 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 2025-05-20 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 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 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2.

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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
Applied and received Credit it card on XX/XX/year> for 0 % card For 18 months I paid the fees When I got my statement there was % charged They will not provide me with my application or fix the mistake Called serval times US Bank Credit Card

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 — Problem with personal statement of dispute
Company: Client Services, Inc.
State: TX

Complaint narrative:
I am formally requesting validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide written verification to prove the legitimacy and accuracy of this alleged debt. This includes documentation that confirms I am legally obligated to pay, the amount you are attempting to collect, and evidence that you are authorized to collect on behalf of the original creditor.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have filed a compliant as well as told them this account is incorrect, I was told an investigation was completed but I have yet to see any paperwork and the account still on 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: MN

Complaint narrative:
I received a voicemail from this company saying to call them back. They didnt say they were a debt collection agency or what it was regarding. I called them back to see why they called, they said they were collecting on an account and they stated the balance. I said that doesnt sound correct to me and asked them to send me details. They said that they are unable to and that I would have to track down the original creditors information and ask them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed that i have charges from a state where I am not from. I talked to the Bank to resolve this and they put my claim in. They were doing research and concluded it because I made my monthly payment. I was paying off old charges on my credit card not the new ones. The amount of my claim is above {$1000.00}. I last used my credit card on an XXXX ride on XX/XX/XXXX. On that same day I have a charge from a different state from a XXXX XXXX XXXX XXXX XXXXXXXX for {$140.00}. Another one is XXXX {$150.00} and others etc. I am now getting charged more interest because of these fraud charges being stuck to my account still. They Bank company is taking long to return my money and take away these charges from my credit card. This is the first time this has ever happened to me while being a loyal customer of 7 years.

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 monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
I am a cosigner on an auto loan with Ford Motor Cr. I do not have poccession of the vehicle and have not use it, Yet I am being held financially responsible for missed payments. The primary borrower has become uncooperative and is refusing to refinance the loan or make consistent payments. I have contacted Ford motor CR to report the issue and requested that they intervene or assist. However, I have been unable to resolve the issue or remove myself from liability. I am attempting to act in good faith and protect my credit, But the lender is not offering me meaningful options to cosigners who are being financially harmed by an uncooperative borrower. I am requesting CFPB 's help in having Ford Motor Cr either to allow voluntary surrender of the vehicle, accelerate repossession, or remove me as a cosigner given my efforts and the borrowers refusal to fulfill their obligations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX Ford Motor Cr XXXX XXXX XXXX, Ne 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The folowing accounts listed on my credi treport are fraudulent and do to identity theft Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The folowing accounts listed on my credi treport are fraudulent and do to identity theft Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The three credit bureaus deleted the listing for Cashnet from my profile in XXXX. Cashnet continues to add it back to my credit profile under a different company name and account number For example, the Cashnet account ending in XXXX was deleted from my Equifax credit report in XX/XX/XXXX, after I submitted dispute # XXXX. It was readded to my credit report in XXXX of XXXX under the company name " Cashnetusa '' and account number XXXX This caused my credit score to drop more than XXXX points. I tried disputing the listing however it has not been removed from Equifax or Experian profile. The process of reaging an account violates my rights.

Company response to consumer: Closed with explanation