vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX {$110.00} I wanted to purchase something and marked for delivery but they insisted they never got my XXXX payment but I called my bank & they said they did, I realized I was convinced and scammed to sending the payment. l requested for refund and they declined me Called my bank and was transferred to XXXX department. It was marked as fraud but nothing they can do as of now. I called as soon

as I sent the money and figured I was being scammed. I filled and IC3 a
s well. 

This happened in XXXX today XXXX XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 

Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : Creditor XXXX : XXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX, Date of Inquiry : XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : - Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
- Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

- Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

- Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

- Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-08-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. Four fraudulent American Express accounts were opened in my name during the same theft event. I have provided XXXX  with my FTC Identity Theft Report, official police report, proof of identity, and correspondence with American Express.

XXXX  previously deleted two of these accounts based on my documentation. They have now reinserted them without providing the required FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice and without supplying any actual evidence from the furnisher.

American Express has already acknowledged two other accounts from the exact same theft as fraudulent and removed them. These two disputed accounts were opened at the same time, are listed in my police/FTC reports , and are also fraudulent.

Accounts in dispute : 1. American Express Acct # XXXX XXXX. American Express Acct # XXXX Violations : FCRA 605B Requires blocking fraudulent info within 4 business days upon receiving proper ID theft documentation. 
FCRA 611 ( a ) ( 5 ) ( B ) Prohibits re-inserting deleted info without written notice and furnisher contact details.

FCRA 623 ( a ) ( 6 ) Prohibits furnishers from reporting info they know is the result of identity theft.

I request the CFPB to compel XXXX  to : 1. Permanently delete both accounts from my file.

2. Provide me all evidence American Express submitted in verification.

3. Ensure these accounts are not reinserted in the future. 

I am the victim of identity theft. Four fraudulent American Express accounts were opened in my name during the same theft event. I have provided American Express with my FTC Identity Theft Report, official police report, proof of identity, and other documentation.

American Express has already admitted that two of the accounts from this theft are fraudulent and removed them. However, they are still claiming the other two are valid, despite the fact they were opened during the same time period, using the same fraudulent information, and are included in the same police and FTC reports.

American Express has failed to provide any documentary evidence that I applied for, authorized, benefited from, or agreed to these accounts. They are continuing to report them to credit bureaus, leading to repeated reinsertions by XXXX  and Experian. 

Accounts in dispute : XXXX. American Express Acct # XXXX XXXX. American Express Acct # XXXX Requested resolution : 1. Acknowledge these two accounts as fraudulent.

2. Permanently remove them from my credit reports with all bureaus.

3. Cease all collection and reporting on these accounts.

4. Provide copies of any and all documents allegedly showing I applied for or benefited from these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TX

Complaint narrative:
I told the collection agency to stop calling me, but they continue to do so. They call repeatedly, typically from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

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

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 2025-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Tater Inc.
State: CA

Complaint narrative:
I was working with Lease End , LLC ( business license : XXXX ) to convert the lease of my vehicle ( XXXX XXXX XXXX ) to financing. They offered me an option to finance the vehicle with XXXX XXXX. 

I already had the lease with XXXX XXXX, but since XXXX XXXX was unwilling to directly convert the lease to financing, I worked with Lease End for the process. 

Lease End started the process in early XXXX. By end of XXXX, after multiple coordinations with Lease End and XXXX XXXX, the lease was finally converted to financing. At this point, I have a closed Lease Account with XXXX XXXX, and an active auto financing account with XXXX XXXX. 

However, I started receiving letters from XXXX XXXX XXXX received 2 so far ) that they never got the final lease payment from Lease End although they have closed the lease account. They claim that my account is past due and is delinquent. 

I know Lease End sent them 2 checks. One was sent to the wrong address, and according to XXXX, the other had a stop pay order on it. 

XXXX XXXX is telling me that they might add negative remarks on my credit report if I don't pay them off. So, essentially, I'm on the hook to pay twice for the same car! 

I'm also uncertain what Lease End has done with the money XXXX XXXX XXXX had sent them to pay off the lease. 

On the positive side, Lease End has been very responsive so far. However, it's been 2+ months and the account is still not sorted.

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 2025-08-24 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:
I recently reviewed my credit report and noticed that an account is not reporting accurately, as it reflects two late payments that were, in fact, paid on time. Consumer reporting agencies are required to ensure all information is reported with complete accuracy, and this account has never been late on payments. I have attached a copy of my credit report highlighting the errors for the following dates : XX/XX/year> and XX/XX/year>. I am requesting that you investigate this matter and provide verifiable proof with records showing that these payments were late. If such information can not be verified, I demand that the account be corrected immediately to reflect an on-time payment history. Thank you for your understanding and prompt attention to this matter. 

15 U.S. Code 1681e - Compliance procedures Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-08-24 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 recently reviewed my credit report and noticed that an account is not reporting accurately, as it reflects two late payments that were, in fact, paid on time. Consumer reporting agencies are required to ensure all information is reported with complete accuracy, and this account has never been late on payments. I have attached a copy of my credit report highlighting the errors for the following dates : XX/XX/year> and XX/XX/year>. I am requesting that you investigate this matter and provide verifiable proof with records showing that these payments were late. If such information can not be verified, I demand that the account be corrected immediately to reflect an on-time payment history. Thank you for your understanding and prompt attention to this matter. 

15 U.S. Code 1681e - Compliance procedures Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit report that I never authorized them to have. I did not give permission for my personal information to be sold, transferred, or placed with this company. That is illegal. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ), a debt collector must provide full validation of a debt before continuing collection activity. I mailed a letter of validation request demanding proof of my signature and documentation that I gave consent for this account to be placed in their hands. Instead of providing proper validation, the letter was returned back to me.

XXXX has not provided : A signed contract or application with my wet signature. 

Proof that I granted authorization for my personal information and account to be transferred to their company. 

A detailed, itemized accounting of how they calculated the balance they are reporting. 

Documentation showing they have legal right to collect on this account. 

By failing to provide this information and by continuing to report this debt to the credit bureaus, XXXX XXXX XXXX  is violating the FDCPA ( 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ) which require accurate and verifiable reporting.

It is unlawful for a debt collector to knowingly use or possess my personal information without my authorization. Since XXXX has not provided proof of my consent, their possession and use of my data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute with TransUnion on XX/XX/year>XXXX  regarding accounts from XXXX XXXX and XXXX ( Dispute # XXXX ). 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), TransUnion was required to complete its investigation and provide results within 30 days ( or 45 days if additional information was provided ). It has now been over 60 days ( as of XX/XX/year>XXXX  ), and my dispute still shows as In Review. 

This is a clear violation of the FCRA. Because TransUnion failed to complete its investigation within the required timeframe, the disputed accounts must be deleted immediately. 

Requested Resolution : Immediate deletion of the disputed XXXX XXXX and XXXX accounts. 

Written confirmation of the results of my dispute. 

An updated credit report reflecting the corrections. 


I am attaching proof for your review.

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 2025-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1881i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Have money owed in my collection that is not me XXXX Date opened XX/XX/XXXXXXXX  Account type Debt Buyer Status Collection account. {$860.00} past due as of XXXX XXXX XXXX. 
Status updated XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status XXXX. 
XXXX account. {$430.00} past due as of XXXX XXXX updated XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I FILLED OUT A APPLICATION ONLINE WITH LIGHTSTREAM BY TRUIST ON XXXX XXXX 2025, THEY REQUESTED CERTAIN PERSONAL INFORMATION WHICH I DELIVERED. THE APPLICATION WENT THROUGH THE APPROVAL PROCESS UNDERWRITER, CFEDIT CHECK, NEXT I RECEIVE AN EMAIL INDICATING MY APPLICATION WAS APPROVED AND ASK FOR MY BANKING INFORMATION, I AISO DELIVERED. NEXT I RECEIVE ANOTHER EMAIL, INDICATING CONFIRMATION OF YOUR LOAN FUNDING NUMBER ENDING IN XXXX. TODAY WE WILL WIRE YOUR LOAN PROCEEDS INTO YOUR DESIGNATED CHECKING ACCOUNT BETWEEN XXXX XXXX. AND XXXX XXXX  EASTERN TIME YOUR FUNDS WILL BE AVAILABLE THAT DAY. TO CONFIRM RECEIPT CONTACT YOUR FINANCIAL INSTITUTION. I NEVER RECEIVER THE FUNDS, I CALLED AND ASK FOR A SUPERVISOR AND INQUIRED ABOUT THE FUNDS THE SUPERVISOR WOULD NOT EXPLAIN WHAT WAS GOING ON OR GIVE ME HIS NAME.

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 2025-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Merchant : Legal Zoom Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Issue : Legal Zoom set up recurring charges from XX/XX/XXXX to XX/XX/XXXX Dispute : I filed a dispute through Capital One requesting reimbursement and that I closed my account with Legal Zoom. Capital One gave me a provisional reimbursement ; however for XX/XX/XXXX, that reimbursement was reversed and I incurred a charge for {$190.00} plue {$25.00} late fee. 
I called Capital One in XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX asking to reverse the charge from Legal Zoom. Capital One did not and now my account is late status. I provided the required information showing Legal Zoom closed my account however Capital One will not accept proof and is expecting me to pay the {$190.00} plus {$25.00} charges totaling {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
That happened. was with me XX/XX/2024 I was going for apply my BJs membership card someone BJs guy he applied for BJs card he didnt explain me about the credit card capital one on that time he apply for me bjs card and also capital one credit card .and also he asking for Social Security I give them and I also ask them. Why are you asking for Social Security? He said thats for sure thats not big issue .When I was the apply for BJs card that time I was leaving XXXX and after that Im change my home Im moving XXXX  . someone took my credit card from my previous address and also I dont know how can he hack my information he activate my credit card and also he use it {$1400.00} and believe me I didnt get that. I didnt use it my credit card. I didnt see on my eyes. Also I dont know who gon na use it who create account and also what the username what the password I dont know nothing after XXXX month. I know someone hacked my information and also took my credit card from my previous address and also he also use it then after that Im going with capital one and explain their every single thing that happened with me. Can you guys hold my card and also this for this amount this is someone say yeah I can do for you after that she cant my credit score is going down down down and also I also contact with the busiest guy Im looking for him and he will also leave from Job that time and I contact with capital one they say is already on the collision. They cant do nothing now. Please help me OK. My credit score is going down for that and also I dont know who is my credit card who hacked my information. and every time collision guy is calling me for free bill and then after that, I also speak with capital one they say thats already on the collision. We can do nothing. Please help me OK I need help from you guys.

Company response to consumer: Closed with explanation