vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-08-14 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
These accounts are not associated with any financial activity I have undertaken and may have been created through fraudulent means. I request a complete investigation and their removal from my credit file. Supporting evidence is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation Credence Resource Management I am writing in response to your letter, regarding the alleged debt referenced above. This is a request for validation of the debt, as provided for by the Fair Debt Collection Practices Act, XXXX U.S.C. 1692g. 



Please provide me with the following : The amount of the alleged debt and a detailed accounting of how it was calculated. 

The name and address of the original creditor. 

A copy of the original signed agreement or other documents showing I am legally obligated to pay. 

Proof that you are licensed to collect debts in my state. 

Documentation showing that you have been assigned or purchased the debt and have the legal right to collect it. 



If you can not provide this documentation, you must cease all collection activities and not report this debt to any credit reporting agency. If you have already reported it, you must notify them to remove the entry immediately. 



Please note that all communication regarding this matter must be in writing and sent to the address above. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
b'this law firm, took all my money out of my account at bank of america , they say it from XXXX, i was not served any documents on this they just took a debit of XXXX  from my account , my account Account number: XXXX XXXX XXXX, i have no money to pay my bills with or anything'

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 monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XX/XX/year> CFPB Complaint Narrative Navy Federal Credit Union Auto Loan {$26000.00} I am filing this complaint against Navy Federal Credit Union regarding an auto loan account ending in XXXX with an alleged balance of {$26000.00}. Navy Federal has continued to report this account as charged off to consumer reporting agencies without providing proper debt validation, despite my lawful written requests under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Uniform Commercial Code ( UCC ), and their obligations under the Federal Credit Union Act and NCUA regulations.

Specifically, Navy Federal has failed to provide : 1. A complete chain of title and assignment from origination to present.

2. A signed, executed contract bearing my signature.

3. Full payment history and an itemized accounting of the alleged debt.

4. Proof of their lawful authority to collect and report this debt. 

Additionally, I previously submitted a formal request for the title to the vehicle securing this loan. Navy Federal ignored that request. They have not lawfully validated their right to hold or control the title, which may constitute wrongful detention or conversion of property under state and federal law.

If Navy Federal repossesses this vehicle without providing full validation, they will be acting in direct violation of the Federal Credit Union Act, NCUA lending regulations, and applicable UCC provisions governing repossession and collateral enforcement. Such actions could result in civil liability, including treble damages where permitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in\nmy name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX1. XXXX XXXXXXXX XXXX2. XXXX XXXX XXXX XXXX3. XXXX XXXX XXXXINQUIRIES:\n1. US DEPARTMENT OF EDU XXXX XXXX XXXX2.  US DEPARTMENT OF EDU XXXX XXXX XXXX3. XXXX XXXX XXXXXXXX XXXX XXXX4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX5. XXXX XXXX XXXX XXXX XXXXI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I notice a debt collection on my credit report from Midland Credit Management with the original lender being XXXX XXXX. I called Midland and they wouldnt give me any information. I called XXXX XXXX  and they have no record of me taking out a loan from them. Midland has created a false debt in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: OH

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Local Data Recovery, LLC
State: TX

Complaint narrative:
XX/XX/year> i received a call from XXXX XXXX stating that they have been trying to reach me because XXXX XXXX  XXXX was trying to take me to court for bank fraud. I called back to get more information, XXXX XXXX stated that i had to pay to stop from going to court and that he could get me a settlement of XXXX $ i told him i only had XXXX $ and he processed the payment. After the payment i received a docusign link to sign the receipt and he sent over a brief transcript. Most of the information on it was incorrect and the website was not valid. I contacted the original debtor and they stated that there was no record of an acct with my ssn attached. I called XXXX XXXX back and he started yelling and being mean and told me he would just refund my XXXX $ and that the lawyers would see me in court. I just wanted proof of the debt and validation of the company. I was then transferred to two other individuals who continued to talk in circles and not give me direct answers. They hung up on me several times as well.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-14 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: TN

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, directly damaging both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain.

This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is alarming and strongly indicates possible identity theft. This matter is causing ongoing emotional and financial harm.

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 2025-08-15 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: NY

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 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 2025-08-14 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: AZ

Complaint narrative:
Please see the attached FTC report and my Equifax data breach claim ID. I am requesting the immediate removal of the listed accounts from my credit report. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AZ

Complaint narrative:
Please see the attached FTC report and my Equifax data breach claim ID. I am requesting the immediate removal of the listed accounts from my credit report. 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

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 2025-08-14 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: MS

Complaint narrative:
FRAUDULENT ACCOUNTS ARE REPORTING TO MY CREDIT FILE

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 2025-08-14 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: MS

Complaint narrative:
FRAUDULENT ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of a revolving account opened at XXXX on XXXX under the account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
I received a notice from Cash App telling me that my was deactivated due to violating there terms and rules. It said that I was using my card to gamble. So I called and asked what is the transaction date that was made to gamble because I do not gamble. I was told that by a representative that they could not give me that information, and that they would send a request to appeal the decision, and that when Cash App contact me via email. I should then ask for that information. So Cash App contacted me via email. I asked them can you tell what date did the violation occur and who is the company or person that received money from me for gambling. The email that was sent back to me continued to state. That I violated there terms and agreements gambling was prohibited, but they would not give me any proof of what they were accusing me of doing. It was not true what they stated. I dont gamble and have never gambled. So I wanted to find out when did this take place and occur because somebody may have got my personal information. They did not want to provide me with any proof. They closed my account because they decided they wanted too, and accused me of being a gambler.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. code 1681i- procedure in case of disputed accuracy, and 15 U.S. 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief