vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX  is a debt collector trying to collect a debt for a third party debt collector named XXXX XXXX XXXX  who bought my alleged debt from navy federal credit union. now they are trying to sue me in XXXX XXXX court for this alleged debt. neither on of these company have a business license to operate in Texas. I never signed a contract with neither one of those companies and I never gave them lawful permission to have my social security number this is identity theft. I also emailed them through their website XXXX and told them I don't owe any debt, I called them too but I was on hold for 30 mins with no answer phone number XXXX call and see how long your on hold for an see for yourself. The way I found out I was being sued was thru an advertisement sent to my residence. this is a violation on the FCRA and the FDCPA. They are operating illegal to collect debts and need to be stopped because I'm in fear of my life and credit worthiness and in fear of wage garnishment for a debt they can't prove that is mines. the case number is XXXX in XXXX XXXX. I'm in fear of my life and need help. there address is XXXX XXXX XXXX XXXX OH XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
I proved that I paid the XXXX $ with Dispute CFPB XXXX. They closed the my account saying the the XXXX $ was charged off when I paid it off! and they reported it in XXXX as collection that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally file a complaint against Jefferson capital systems who is attempting to collect a debt allegedly owed to XXXX XXXX XXXX, a company that has since gone out of business. The debt is from XXXX  and was recently updated to reflect a new date, despite the passage of more than 5 years. This appears to be illegal re-aging of the account, in violation of the FCRA, 15 U.S.C. 1681c ( a ) ( 4 ). 

Additionally, I have received no documentation or validation of this debt under 15 U.S.C. 1692g, even after a certified letter asking for said information within the proper amount of time which company failed to do so., nor have I received a 1099-C tax form from original creditor which is required when a debt is charged off and over {$600.00}. The original creditors closure raises serious concerns about the authenticity and chain of title of the alleged debt. 

I am requesting an investigation and appropriate enforcement action to ensure that my consumer rights are protected and that this debt is either properly validated or removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Cash App, operated by Block Inc., for inadequate customer service and engagement in unfair and deceptive practices in violation of the Customer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ), including Regulation E.

Cash App failed to take timely and effective measures to prevent or address fraudulent activity on my account, leaving it vulnerable and unprotected. Despite promptly notifying the company of the unauthorized transaction ( s ), their response was both delayed and inadequate, failing to comply with the error resolution procedures mandated under EFTA and Regulation E. As a result, I suffered significant financial loss and inconvenience. 

Additionally, Cash Apps dispute resolution process was opaque, misleading, and unreasonably difficult to navigate. I received little to no communication during the process, and their final determination lacked transparency and a clear basis, raising concerns about fairness and due process. This conduct constitutes an unfair and deceptive practice under the CFPA, as it undermines consumer trust and fails to provide the protections guaranteed under federal law.

I request that the company be held accountable for its failure to comply with federal consumer protection laws and that I be provided with appropriate redress, including but not limited to a full reimbursement of the unauthorized transaction ( s ), correction of any related account errors, and improvements to their dispute handling and fraud prevention protocols. 

I urge the relevant regulatory authorities to investigate this matter thoroughly to ensure that Cash App is held responsible for these violations and that similar incidents do not continue to harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: PA

Complaint narrative:
My Cash app was scammed for {$5000.00} out of my card to my phone of cash app. I would like to receive my money back. Try to contact Cash App unfortunately I never got no call or never got through with a live agent. Try to look up emails and can not not find one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed as has over XXXX  according to XXXX XXXX XXXX After XXXX XXXX  week, the dealer gives no assurance as to when it will be fixed, The dealer will not give me a vehicle which is suitable for my use, (XXXX XXXX XXXX XXXX XXXX), and GM Financial states that I have to pay $XXXX  to defer the payments.\n\nThis is wrong on 3 levels. GM Customer Care, GM Finance, GM Dealer all are providing unacceptable service.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
This account should not be on my credit report. It was XXXX through XXXX  in XXXX : XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX These accounts were XXXX through XXXX  : [ 15 U.S.C. 1681e ] ( B ) 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 2025-04-18 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-04-18 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-04-18 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$6600.00} XXXXXXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Request for Removal of Late Payment from Credit Report Under FCRA Dear To whom it may concern, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account #, XXXX, which currently reflects late payments for the months of XXXX on my credit report. 
While I take full responsibility for these late payments, I want to highlight the efforts I have made to maintain a positive credit history since then. My financial situation has improved, and I have consistently ensured that all payments are made on time. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information to credit reporting agencies. While I understand that the late payments were accurately reported at the time, I am requesting a goodwill adjustment to remove them as a gesture of consideration for my recent responsible financial behavior. 
Additionally, the FCRA allows consumers to dispute information that XXXX be outdated or unfairly damaging to their credit report. Given my improved payment history and commitment to maintaining a positive relationship with XXXX XXXX XXXX XXXX kindly ask you to consider updating my account status and removing the late payment records. 
I greatly appreciate your time and consideration of my request. I am committed to maintaining a strong financial relationship with XXXX XXXX XXXX and I believe this goodwill adjustment would be beneficial for both parties. Please let me know if any further information is needed to facilitate this request. 
Thank you for your time and assistance. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Request for Removal of Late Payment from Credit Report Under FCRA Dear To whom it may concern, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account #, XXXX, which currently reflects late payments for the months of XXXX on my credit report. 
While I take full responsibility for these late payments, I want to highlight the efforts I have made to maintain a positive credit history since then. My financial situation has improved, and I have consistently ensured that all payments are made on time. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information to credit reporting agencies. While I understand that the late payments were accurately reported at the time, I am requesting a goodwill adjustment to remove them as a gesture of consideration for my recent responsible financial behavior. 
Additionally, the FCRA allows consumers to dispute information that XXXX be outdated or unfairly damaging to their credit report. Given my improved payment history and commitment to maintaining a positive relationship with XXXX XXXX XXXX XXXX kindly ask you to consider updating my account status and removing the late payment records. 
I greatly appreciate your time and consideration of my request. I am committed to maintaining a strong financial relationship with XXXX XXXX XXXX and I believe this goodwill adjustment would be beneficial for both parties. Please let me know if any further information is needed to facilitate this request. 
Thank you for your time and assistance. I look forward to your response. 
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 explanation
Consumer complaint received 2025-04-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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: IN

Complaint narrative:
I disputed this account before and there are still inaccuracies and inquiries on my credit report. There are inaccurate accounts that I have been disputing and they remain on my consumer report. I am requesting a proper investigation and they have XXXX  days to provide it to me or they have to delete the inquiries and inaccurate account that i am disputing. I have attached XXXX different sets of letters along with my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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