vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: CA

Complaint narrative:
I received a Cash App debit card from Cash APP. 
The card number is XXXX XXXX XXXX XXXX I never signed up and never authorized Cash App to open any debit and credit card under my name. 

Cash App sent me a card on XX/XX/2025. I called their XXXX and spoke to a representative. Instead of closing this account, the representative gave me a run around and never wanted to close the account. 

This is illegal, Cash App used my personal information name, day of birth, ssn, and home address ( not sure where they got it from ) and opened a debit card without my knowledge and authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I am requesting investigation into Navients denial of a school misconduct discharge application for private student loans that originated with XXXX XXXX and were used to attend The XXXX XXXXXXXX XXXX XXXX between XXXX and XXXX. 

These loans were later serviced by Navient and refinanced through XXXX ( XXXXXXXX ) in XXXX. I have received a Borrower Defense approval from the U.S. Department of Education for my federal loans related to XXXX XXXX XXXXXXXX, but Navient refuses to acknowledge my right to apply for similar relief for my private loans. 

In addition, I borrowed directly from Navient in XXXX to fund my XXXX at the XXXX XXXX XXXXXXXX. Those loans were refinanced as well and managed under the same account, though only the XXXX XXXXrelated loans are subject to the Borrower Defense and misrepresentation issues. 

I am a resident of Colorado, one of the states involved in the XXXX multistate settlement with Navient. I am requesting assistance in obtaining a full review of my eligibility for private loan discharge, repayment refund, or other appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Request to Remove Inaccurate Personal Information Employers, Addresses, and Phones Dear CFPB, I am requesting that TransUnion and Experian immediately correct the personal information on my credit report. 

The only accurate information that should remain on file is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX I request the complete removal of the following : All previous addresses All previous phone numbers All listed employers ( none are accurate or authorized to be listed ) These outdated and incorrect entries do not reflect my current verified identity. Under FCRA 602 ( a ) and 609 ( c ), credit reporting agencies are required to maintain only accurate and verifiable personal data. 

Please update my file accordingly and provide written confirmation once completed. 

Thank you, 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX falsely placed full year leases on tenants during the Covid Pandemic. 
My tenancy had been paid completely and the Rental property gave leaving tenants the chance to pay on a monthly basis. 
After an extra XXXX months which was fully paid, the apartment said they were not given a 60 day notice before leaving, forgetting they had told us to pay on a monthly basis. 
It was wicked and malicious. 
The debt has painfully been paid to the collector XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting Failure to Provide 1099-C To Whom It May Concern : I am writing to formally dispute a charged-off account currently listed on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX  : ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Amount : {$620.00} Reported as Charged-Off on : they have conflicting information and have listed XXXX different dates XX/XX/XXXX and XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be complete and accurate. This account is listed as a write-off or charge-off, which typically indicates a cancellation of debt. However, I have not received a 1099-C form, which is required by the IRS when a lender cancels a debt of {$600.00} or more. 

If this debt was indeed cancelled or forgiven, the creditor is legally obligated to issue a 1099-C, and I should have received a copy for tax purposes. The absence of this form raises serious concerns about the accuracy and completeness of this accounts reporting.

Therefore, under 15 U.S.C. 1681i and 1681s-2, I request that you remove XXXX XXXX off of my credit reports from all XXXX credit bureaus respectively. 

Please conduct your investigation and provide a written response within the 30-day time frame as required by the FCRA. 

Attached are copies of my identification and a copy of my credit report showing the item in question for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention an error on my credit report that requires immediate investigation and correction. Upon reviewing my credit report, I discovered an account with XXXX XXXX that was reportedly delinquent in XXXX, with an additional late payment noted in XXXX. However, I have evidence that contradicts this information, as I have consistently made timely payments on this account. 

As a consumer, I expect credit reporting agencies to maintain accurate and up-to-date information. The inaccurate reporting of late payments on my account is a serious concern, and I request that you take prompt action to rectify this situation. I have attached a copy of my credit report, dated XX/XX/XXXX, which highlights the disputed information. 

I respectfully request that you investigate this matter and update my credit report to reflect the accurate payment history for the aforementioned account. Specifically, I request that the late payment notation be removed, and my payment history be revised to show that all payments were made on time. 

I appreciate your attention to this matter, and I look forward to a prompt resolution. Please confirm in writing once the correction has been made, and my credit report has been updated to reflect the accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Dispute Basis ( Even if Paid & Closed ) While this account is " paid and closed, '' if you're seeking deletion, you have a few legal grounds to challenge it : Legal Arguments : FCRA 1681i ( a ) : Payment history data is incomplete the tradeline shows many months as XXXX XXXX XXXX XXXX XXXX or has no consistent reporting. This constitutes an incomplete file, which must be corrected or removed.

FCRA 609 ( a ) ( 1 ) : You are entitled to all documentation verifying the accuracy and source of this tradeline. If Aidvantage or XXXX XXXX XXXXXXXX can not produce original agreements or source info, it must be deleted.

FCRA 1681e ( b ) : Incomplete payment data and lack of original creditor violate the requirement to maintain maximum possible accuracy. 

Outdated Tradeline : If no late payments occurred, you may challenge the continued display of a closed, zero-balance loan over XXXX years old as non-relevant and request its deletion on the basis of outdated, non-material information.Subject : FCRA Violations Incomplete and Unverifiable Reporting by XXXX  Regarding XXXX XXXX XXXX XXXX  / Aidvantage Student Loan To Whom It May Concern : I am submitting this complaint to report XXXX  XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) in its reporting of a closed student loan account from XXXXXXXX XXXX XXXXXXXX / Aidvantage. 

Creditor : XXXXXXXX XXXX XXXX / Aidvantage Partial Account # : XXXX Original Balance : {$1100.00} Status : Paid, Closed/Never Late Opened : XX/XX/XXXX Closed : XX/XX/XXXX Summary of Complaint : Although the account is marked as paid and closed, the information XXXX  continues to report is incomplete, outdated, and unverifiable. Many monthly data fields are listed as XXXX XXXX XXXX XXXX  ) or entirely blank, and no payment history, original creditor, or contractual agreement has been provided to substantiate the tradeline. 

Violations of the Fair Credit Reporting Act : FCRA 1681i ( a ) : Failure to ensure full and accurate data or to properly reinvestigate disputed information.

FCRA 609 ( a ) ( 1 ) : Failure to provide documentation supporting this tradeline, including original agreements, data source details, and payment history.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy this account lacks essential information.

FCRA 1681g ( a ) ( 2 ) : No clear identification of the original creditor or furnisher, despite my right to know the source of any item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Self Financial Inc.
State: AL

Complaint narrative:
Subject : XXXX Blocking Legal Dispute Rights and Reporting Incomplete Data on SELF Financial / Lead Bank Account To Whom It May Concern : I am submitting this complaint regarding XXXX handling of a currently open loan account reported by SELF Financial / Lead Bank. This account appears on my XXXX credit report but raises multiple concerns under the Fair Credit Reporting Act ( FCRA ). 

Creditor Name : SELF Financial / Lead Bank Partial Account # : XXXX Date Opened : XX/XX/year> Original Balance : {$980.00} Current Balance : $ 841 Monthly Payment : {$48.00} XXXX Report # : XXXX Status : Open, Never Late Legal Issues : FCRA 611 / 15 U.S.C . 1681i My legal right to dispute information was obstructed when XXXX refused to allow an online dispute and instead required me to call. This is a barrier to access and limits my ability to document and track my dispute in writing. 

FCRA 609 ( a ) ( 1 ) I requested documentation supporting the validity of this account ( signed agreements, original application, verification from the furnisher ), but XXXX has not provided it. I have a legal right to full disclosure of file contents and verification.

FCRA 1681e ( b ) XXXX is required to ensure the maximum possible accuracy of information. This account is missing consistent month-by-month payment history and lacks a highest balance field, suggesting incomplete or under-verified reporting. 

Failure to identify source/furnisher properly No details have been given regarding the verification method or furnisher investigation process, violating my rights under FCRA 1681g and 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Inaccurate credit card XXXX payment reporting XX/XX/XXXX and XX/XX/XXXX as 30 day late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: U.S. BANCORP
State: PA

Complaint narrative:
I got an alert today from XXXX  that there was a new hard inquiry on my credit report from US Bank XXXX for a new bank account/ installment loan. I didn't not approve or ask for this. I contacted US Bank they said they couldn't find anything but I definitely didn't feel as if they really tried or they actually helped. I called XXXX  to figure what I should do so they suggested I file a fraud dispute. So we filed one and now I'm waiting on the results. I'm very appreciative for XXXX helping me out. They also suggested that I go on here and file as well. I'm hoping it was just a mistake.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I got a call from someone claiming to be from Wells Fargo. They told me that they wanted to lower my interest rate and then asked me for a lot of personal details.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Equifax Experian, Trans Union data breach of all my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Equifax Experian, Trans Union data breach of all my personal information

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a formal payment arrangement with the creditor to bring my account current. I received a written confirmation of the arrangement, which included scheduled payment terms starting with a payment of {$430.00} on XX/XX/XXXX. 

From that point forward, I continued to make payments under the agreed-upon plan. Despite this, the creditor reported multiple late payments across XXXX, XXXX, and XXXX to the credit bureaus. These reports inaccurately reflect my payment activity and do not account for the arrangement we had in place. 

I have documentation ( an official email from the company ) confirming the existence and terms of this agreement. The company accepted and processed my payments during that time. At no point was I informed that my account was considered delinquent while I was actively paying according to the arrangement. 

I am requesting that these late payments be removed or corrected, as they were inaccurately reported during a period when I was actively fulfilling the terms of the agreed payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AR

Complaint narrative:
In XX/XX/year>, and XX/XX/year> I requested an Investigation into the accounts being reported on my credit report for verification and copies of the method of verification. I believe the investigation were not carried out thoroughly and did not meet the standards of FCRA and my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AR

Complaint narrative:
In XX/XX/year>, and XX/XX/year> I requested an Investigation into the accounts being reported on my credit report for verification and copies of the method of verification. I believe the investigation were not carried out thoroughly and did not meet the standards of FCRA and my legal rights.

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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit Acceptance Corporation is continuing to report a balance on my credit report for a vehicle they refused to repossess, stating verbally that it " wasnt worth picking up. '' They have refused to document this or clarify the status of the vehicle. 

I no longer have the vehicle, and it is not in my possession. They are reporting a tradeline without verifying whether the vehicle was sold, abandoned, or written off. This is incomplete and misleading information under the FCRA.

Company response to consumer: Closed with explanation