vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX improperly denied my XXXX XXXX XXXX  application ( Application ID : XXXX, denial dated XX/XX/XXXX ). 

Their denial letter cites : Extenuating factors exist regarding your XXXX XXXX  account ( XXXX ) Delinquent past or present obligations with XXXX XXXX You caused XXXX XXXX a loss. 

Legal Violations : XXXX  XXXX XXXX XXXX. XXXX & XXXX I filed XXXX XXXX XXXX  ( XX/XX/XXXX ) and was XXXX ( XX/XX/XXXX ). 

XXXX XXXX denied my secured loan based solely on XXXX debts. 

XXXX prohibits attempts to use XXXX obligations against a debtor. 

XXXX prohibits discrimination by financial institutions based on bankruptcy. 

XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX. XXXX et seq. 

XXXX prohibits discrimination against applicants who exercised rights under the XXXX XXXX XXXX XXXX. 

Denial based on XXXX bankruptcy debts constitutes unlawful discrimination ( In re XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) ). 

Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX XXXX XXXX denial letter failed to provide specific adverse action details, such as which accounts, balances, or alleged losses. 

Simply stating loss caused is insufficient under the law. 

Product Structure Share XXXX XXXX XXXX XXXX XXXX XXXX is 100 % collateralized by the applicants own deposit. 

There is no risk of loss to XXXX XXXX. 

Denial based on prior loss contradicts the very nature of the loan. 

Harm : I was denied a secured loan for which I was otherwise qualified. I have suffered financial harm, discriminatory treatment, and unlawful denial of equal access to credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries appear on my credit report that I believe are inaccurate. Under XXXX XXXX. XXXX ( b ) and XXXX, my credit file must only contain information that is accurate, complete, and verifiable. I am requesting that these reported late payments be fully verified, and if they can not be substantiated, that they be corrected or deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Collection accounts are appearing on my credit report that I believe contain errors. Under my rights provided by 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to a report that is accurate and reliable. I am requesting a thorough review of these accounts, and if they can not be verified as accurate, they must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: IA

Complaint narrative:
This is with Schwartz Vays and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who manages them. My father has passed away and I am the XXXX  now in charge of his condo. The association sued him for my brother causing problems at the condo and had a lawsuit out and asked money from my dad. He did not pay because he thought it should be on my brother so it went to collections. They had been continuously charging late fees and interest. I called to try to get a resolution. They refused to negotiate with me. I then discovered that they were also adding on the XXXX fees every month. I stated that the XXXX  fees had been paid. They stated they had not been paid to them since XXXX of last year. I said that is not true they had been paid and where is that money been going. They did not know. I had to open up a discrepancy which I did weeks ago and I've heard nothing, just that it can take XXXX  days, it's been about XXXX weeks. I also have proof of XXXX XXXX  payments that were made over the last year. I have the cleared checks images. They were for {$480.00} each. There is also been interest occured on this and extra fees charged as other fees. I was also told and threatened that I can not sell the condo until I clear the XXXX and the payment. But I consulted with a lawyer and was told I can and pay off the XXXX and payment at closing. That it is done all the time.

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 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: TX

Complaint narrative:
Complaint Against CarMax Auto Finance for Violation of Bankruptcy Discharge and Coercive Debt Collection Practices Dear Sir or Madam, I am writing to file a complaint against CarMax XXXX XXXX, XXXX XXXX CarMax Auto Finance, XXXX their XXXX and coercive conduct after my XXXX  XXXX XXXX  discharge. 

Background : I filed for XXXX XXXX XXXX on XX/XX/XXXX, in the United States Bankruptcy XXXX for the XXXX XXXX of Texas. 

I received my discharge on XX/XX/XXXX. 

My divorce decree ( XXXX XXXX, XXXX ) awarded me sole title and possession of the vehicle. 

I sent XXXX certified letters to CarMax ( XX/XX/XXXX and XX/XX/XXXX ) requesting either repossession or release of their XXXX. They ignored both. 

Violations : On XX/XX/XXXX, CarMax issued me a XXXX to XXXX  letter, demanding {$23000.00} ( the full loan balance ) by XXXX XXXX, XXXX, to avoid repossession despite the debt being fully XXXX in bankruptcy. 

On XXXX XXXX, XXXX, a CarMax representative confirmed this demand was directed at me personally, even though I no longer owed the debt. 

CarMax has refused to release their XXXX or repossess the vehicle, effectively holding my title XXXX to coerce repayment of a XXXX debt. 

Their conduct violates the bankruptcy discharge injunction ( XXXX XXXX. XXXX ) and constitutes an unfair and deceptive practice under federal and Texas law. 

Harm to Me : I can not obtain a clear vehicle title necessary for my relocation and compliance with other legal obligations. 

I continue to pay for insurance and storage on a vehicle that CarMax refuses to resolve. 

This undermines the fresh start promised by bankruptcy law. 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am resubmitting my complaint against Equifax regarding the XXXX account that I have been disputing since XX/XX/year>. It is now XXXX, and Equifax has failed to verify or validate this account within the timeframe required under the Fair Credit Reporting Act ( FCRA ). 

XXXX. I have disputed this same XXXX account multiple times, beginning in XX/XX/year>. 


XXXX. Equifax has had well over the 3045 days required by law to investigate and provide verification. 


XXXX. To this day, Equifax has not provided me with proof from the original creditor ( XXXX ) that this account is valid, nor have they supplied documentation that establishes ownership of the debt. 


XXXX. Instead, Equifax has continued to close complaints without resolving the dispute, which constitutes willful noncompliance under the FCRA. 



Additionally, I need to make XXXX point clear : how many times do I have to say this to all XXXX  credit bureaus? I can access my credit report just fine on my own. Equifax constantly sending me my own credit report is not validation of this debt. I will never accept that as validation because by law it is not validation. Simply re-printing my report does not satisfy your obligation to provide proof from the furnisher. That practice is a stall tactic, and I reject it outright. 

It is not XXXX role to determine whether the debt is valid on its own it is XXXX duty to collect proper documentation from XXXX ( the furnisher of the information ) and provide it to me. They have not done this. By failing to provide validation and continuing to report inaccurate information, Equifax is violating my rights under the FCRA. 

I request that the XXXX account be immediately removed from my credit file, as Equifax has failed to validate it in the legally required timeframe. I also request that the CFPB take notice of EquifaxXXXX repeated pattern of stalling, sending consumers their own credit reports in place of validation, closing cases without proof, and failing to follow FCRA procedures. 

If Equifax can not validate the account with proper documentation, they must delete it that is the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
The burden of proof falls on the collection agency not the consumer ( me ). I find it concerning that JEFFERSON CAPITAL SYSTEMS LLC is not complying with legal requests. I request JEFFERSON CAPITAL SYSTEMS LLC provide proof they sent debt validation, as it is my legal right. JEFFERSON CAPITAL SYSTEMS LLC can not provide proof, I demand this account be removed from my credit report as is my legal right per FCRA section 623. ( a ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TN

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to XXXX XXXX XXXX  and XXXX XXXX This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( 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. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) 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. ''

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 2025-09-08 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-08 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was sending my XXXX from my cashapp account for a camping trip to my neice to buy my tent since we were going to up north. I was driving so I had my grand daughter send it for me through my phone to my neice. In cashapp it says write a note when sending momey and instead of camping as a note it automatically corrected to XXXX since my keyboard is in XXXX. Cash app decided to block my whole account, I tried refunding my neice. Doesn't work. I've been contacting support for months to have it resolved or if theirs a way to identify myself even tho I have all my info in my account. NOBODY HAS HELPED OR CARES. THEY KEEP SAYING THEYL EMAIL ME AND THEY HAVENT. The money has been sitting there for months. Today my son in law accidentally cashapped me XXXX dollars for my electricity bill that I asked borrowed and XXXX that hes putting in for catering for a XXXXs were throwing next month. I didn't know he was going to send it there. I asked for help to at least refund it and they again said they'll email me. I've been scammed off XXXX dollars at this point. I have an XXXX  XXXX  and I can't even pay my electricity bill today when it's due because cash app won't help me fix/ verify my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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