vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: MA

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Scammed by a fraudulent person by name of XXXX Sunday CC : Dear XXXX XXXX, Thank you for your response regarding my complaint with the CFPB concerning the {$5600.00} wire transfer I authorized to XXXX XXXX, who I now know to be the recipient of a fraudulent scheme. 

While I understand Discover Banks position regarding privacy laws, I must emphasize that I am the fraud victim in this case and am requesting further cooperation under both the Bank Secrecy Act  and CFPB guidelines related to wire fraud. 

Specifically, I am requesting that : 1. Discover Bank confirm whether the account associated with XXXX XXXX  has been flagged or investigated for suspicious or fraudulent activity. 
2. Provide any information that can be legally shared regarding the disposition of the funds or if they are recoverable.

3. Preserve all records relating to this transaction, including the recipients identity verification and transaction history, for purposes of legal investigation.

Please note that under federal guidelines, institutions are encouraged to assist fraud victims and law enforcement to the fullest extent permissible. I have filed reports with my bank ( XXXX XXXX  ), local police, the FBI Internet Crime Complaint Center ( IC3 ), and FTC.

Any further stonewalling of this matter may result in escalation to state and federal regulatory bodies for lack of cooperation in an interbank fraud matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
[ SEE ATTACHMENTS FOR TRUE IDENTITY VERIFICATION AND SPECIFIC DETAILS I AM DISPUTING ] I am filing a complaint due to inaccurate personal information appearing on my credit reports, including incorrect name spellings, outdated addresses, unverified employers, and hard inquiries I did not authorize. My personal information has been exposed in multiple data breaches, and I have submitted an FTC Identity Theft Report. Despite this, the credit bureaus have continued reporting information that is either obsolete or can not be verified. These errors increase the likelihood of identity confusion, cross-file contamination, and fraudulent account association. This appears to be a violation of FCRA 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they 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 2025-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
CFPB Debt Collection Complaint ( Final Draft for Submission ) Company Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX ( a division of XXXX XXXX XXXX XXXX ) Account Numbers ( partial for privacy ) : XXXX XXXX Services : # XXXXXXXX XXXX XXXX : [ No full number provided; reference balance {$1300.00} ] Complaint Description : I am filing this complaint because two debt collectorsXXXX XXXX XXXXXXXX  and XXXX XXXXXXXX ( a division of XXXX XXXX XXXX XXXX ) have violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Both companies contacted me attempting to collect debts, but neither sent me a written notice of the debt within five ( 5 ) days of the initial communication, as required by law. This written notice should include the amount of the debt, the name of the original creditor, and my right to dispute the debt. I never received these required notices by mail or otherwise. 

Details of the accounts : XXXX XXXX XXXX  : Balance of {$21000.00}. Original creditor is Westlake Services. 
XXXX XXXX : Balance of {$1300.00}. Original creditor is XXXX XXXX XXXX XXXX. 
Because these companies failed to meet the basic FDCPA requirements, I believe these debts are being collected unlawfully. I dispute the validity of these accounts and request immediate action. 
Requested Resolution : Remove both debts from my credit reports ( XXXX, XXXX, and XXXX  ). 
Enforce compliance with FDCPA requirements. 
Have both companies cease further contact with me unless they comply with the law. 
Date of First Contact by Debt Collector : [ Insert if known, or leave as Unknown ] Preferred Contact Method : Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/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 2025-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
CFPB Debt Collection Complaint ( Final Draft for Submission ) Company Name ( s ) : Cavalry Portfolio Services XXXX XXXX XXXX ( a division of XXXX XXXX XXXX XXXX ) Account Numbers ( partial for privacy ) : Cavalry Portfolio Services : # XXXXXXXX XXXX XXXX : [ No full number provided; reference balance {$1300.00} ] Complaint Description : I am filing this complaint because two debt collectorsCavalry Portfolio Services and XXXX  XXXX ( a division of XXXX XXXX XXXX XXXX ) have violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Both companies contacted me attempting to collect debts, but neither sent me a written notice of the debt within five ( 5 ) days of the initial communication, as required by law. This written notice should include the amount of the debt, the name of the original creditor, and my right to dispute the debt. I never received these required notices by mail or otherwise. 

Details of the accounts : Cavalry Portfolio Services : Balance of {$21000.00}. Original creditor is XXXX XXXX. 
XXXX XXXX : Balance of {$1300.00}. Original creditor is XXXX XXXX XXXX XXXX. 
Because these companies failed to meet the basic FDCPA requirements, I believe these debts are being collected unlawfully. I dispute the validity of these accounts and request immediate action. 
Requested Resolution : Remove both debts from my credit reports ( XXXX, XXXX, and XXXX  ). 
Enforce compliance with FDCPA requirements. 
Have both companies cease further contact with me unless they comply with the law. 
Date of First Contact by Debt Collector : [ Insert if known, or leave as Unknown ] Preferred Contact Method : Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
The collection accounts being reported are fraudulent and do not belong to me. I did not authorize or open any accounts with the original creditors tied to these collections. These debts were likely the result of identity theft. I have already submitted a valid FTC Identity Theft Report, along with supporting documentation including proof of identity and address. Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are required to remove any information that results from identity theft within four business days of receiving the proper documentation. Despite this, the collection accounts continue to appear on my credit report, which is a clear violation of federal law. 
PXXXX 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 2025-07-31 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am a victim of identity theft and request the removal of unauthorized accounts and inquiries from my credit report under Section 605B of the Fair Credit Reporting Act.

Attached are a list of the disputed items and my FTC Identity Theft Report. Please investigate and confirm once the items are removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NC

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 transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank
State: MI

Complaint narrative:
On XX/XX/year> I was on the XXXX  page and they ( XXXX  ) recommended that I apply with first digital card, with high regards, so I applied because I need the money due to unexpected job loss. 
First digital card denied me reasoning : Insufficient credit card experience ; and, Insufficient payment activity over the last year. 
Over the past year I have paid my car note, rent, lights gas bills and had my credit score back up over XXXX until companies like first digital, who advertise help, did hard checks and dropped my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Dear CFPB, I am writing to follow up on a dispute I submitted nearly 30 days ago regarding an inaccurate late payment entry on my credit report. The account in question is listed under XXXX XXXX XXXX  and is being reported by TransUnion. 

Despite filing my dispute in accordance with the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response or update from TransUnion. The account continues to show as inaccurate, and no investigation results have been communicated to me. This lack of response is concerning and appears to be a violation of the FCRA, which requires credit reporting agencies to complete their investigations and report the results within 30 days. 

I respectfully request that the CFPB take further action to ensure TransUnion complies with federal law and provides a timely resolution to my dispute. Attached are copies of my original dispute submission and any supporting documents for your reference. 

Thank you for your time and assistance. 

Sincerely, 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 2025-07-31 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: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary.

XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX  Balance : {$110.00}

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 explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary.

XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX  Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary.

XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX  Balance : {$110.00}

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 explanation
Consumer complaint received 2025-07-31 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-07-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX  goes here, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : A collections account opened at SPRING OAKS CAPITAL LLC on XX/XX/XXXX with a balance of $ ( private ), associated with the XXXX XXXX XXXX  which is a personal loan account. 

These accounts have resulted in fraudulent collections on my consumer FICO credit report. I have attached a list of the alleged collection accounts and a copy of the consumer credit report maintained by you, which shows these fraudulent items.

I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud.

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.

I request immediate removal of these items as per my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OK

Complaint narrative:
I am writing to formally request the removal of a XXXX XXXX account listed under my credit report. Upon reviewing my credit report, I have found that this account named XXXX is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable. This account is negatively impacting my creditworthiness, and I demand an immediate investigation and correction.

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 2025-07-31 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: OK

Complaint narrative:
I am writing to formally request the removal of a XXXX XXXX account listed under my credit report. Upon reviewing my credit report, I have found that this account named XXXX is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable. This account is negatively impacting my creditworthiness, and I demand an immediate investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as my final formal demand for the immediate deletion of the following unauthorized inquiries that remain on my credit report despite my repeated disputes : For Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX For Equifax : XXXX XXXX XXXX

Company response to consumer: Closed with explanation