vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I went to open a PNC Checking account on XX/XX/year> in the XXXX, VA location of PNC Bank. I told them I wanted to participate in the bonus for {$400.00} when you have {$5000.00} in Direct Deposits in 30 days. They said okay. They were very confused with their computer systems and how many of the basic accounts worked. I tried to go through this with them to make sure we were setting this up correctly. They assured me we were. I then had multiple direct deposits from my employer into the account that they had set up for me. They set up my direct deposit as well. Months later, I still hadnt received my {$400.00} reward. I spoke with them today and they told me I have not had any deposits. I said no, showed my statements, and made it clear I had done what the employees had told me to. This is where they said that my direct deposit went to my XXXX account and not my XXXX  Account. I was confused as the employees had set that up for me. I explained this and they said that it was not the right account so I can not get the bonus. I said how I fulfilled my end, and the errors were due to their employees, but I still had placed XXXX into my new account, what the employees had told me. They were not helpful and told me to take it up with the help desk. I am very upset. I dont understand why I am being penalized for the actions of their employees not correctly setting up the bonus right. Now I cant have a do-over because the offer only applies to new customers. I have lost out on something I rightfully earned, and even lost out on the ability to try and earn it again. I am requesting assistance. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Their took money from me in XX/XX/year>. After weeks of nonpayment and non delivery of services, I reported her to cash app for fraud with hopes of getting my {$250.00} dollars back. I cant submit proof through their chat and there is no way via email to send it in. After the report, Cash App will automatically send an email with a lie that states the user, which is me, didnt send in any proof of theft or communication with the seller. How, when Cash App literally provides NO WAY to do so besides submitting a complaint through the app. When I replied back to their email asking how to submit proof, I was left with no response or follow up from cash app support. I submitted my proof via CFPB and still got denied. This is a fairly new account that doesnt have much use and I am being treated unfairly as a customer. Included in this complaint will be proof of me telling Cash App I never got an email on where to send proof BEFORE they closed my complaint without proper investigation! For this company to just flat out lie, telling the CFPB I didnt submit any evidence is ridiculous. Now I want cash app to explain just how Im supposed to submit NEW evidence when the theif of a seller hasnt responded since getting money from me?! That doesnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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 am a XXXX XXXX XXXX and the information listed below on my credit report is a result of that XXXX  : Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} INQUIRIES : XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: PR

Complaint narrative:
I have received a copy of my consumer reports and shows that EDFINANCIAL has provided transactions on my consumer report that are excluded by law under FCRA 15 USC 1681a 2Ai. EDFINANCIAL, as the institution in charge of my student loans, illegally generated late payments on my credit report. There were a total of 11 late payments that have damaged my reputation and affected my financial life, since my credit balance was abusively reduced by these late payments illegally applied to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I disputed and reported numerous inaccurate accounts on my credit report such as XXXX XXXX XXXX  credit to be removed. The agent who I reached out to via telephone was rude and unsettling. She stated that she was going to get the items removed if I was white. She then went on to say that XXXX deserve to suffer and no one should be able to help them and how she didn't care if I had proper documentation for the inaccurateness. Racists comments just kept slurring out her mouth. Also these items have been under investigation with the cfpb for more than 30 days and yet they still remains. Experian failed to comply to my complaint and has it as " will remain '' I even provided letters and proper documentation. I'm fed up and these two accounts should be removed immediately. I am tired of experian ruining my life by report this inaccurateness. This is hurting me deeply that this bureau is failing me by not upholding to the law!! 15 U.S. Code 1681.

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 2025-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: NJ

Complaint narrative:
b'I received a credit card bill from Montgomery Ward in the amount of XXXX (Acct # XXXX XXXX XXXX XXXX). I never purchased anything from this company and do not own a credit card for this company. \n\nMontgomery Ward\nXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am disputing the inaccurate reporting of a Navy Federal Credit Union credit card account. This account is being incorrectly reported as a charged-off account with a balance due. I previously disputed this account and specifically requested proof of the charge-off or deletion of the negative payment status. Despite my dispute, the credit bureaus verified the account without providing any supporting documentation, and I do not agree with the results of this investigation. To date, I have not received proof of the charge-off or proof supporting the negative payment status that continues to be reported. 

This reporting violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting this unverified account as a charge-off without documentation fails to meet this standard. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items. No reasonable investigation has been conducted in this case, as no proof has been furnished to validate the information.

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 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  ACCOUNT # XXXXXXXX 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 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 2025-08-30 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/year>, {$43000.00} was withdrawn from my Marcus Online Savings Account ending in XXXX without authorization. I submitted a dispute ( Claim # XXXX ), and on XX/XX/year>, XXXX confirmed in writing that the dispute was resolved in my favor and the funds were credited back. My XXXX account statement confirms this credit. 

On XX/XX/year>, XXXX closed my account and removed the same {$43000.00} again under CLOSE. I was told funds would be sent to me by check or transfer, but no funds have been delivered. Instead, XXXX re-issue another dispute form and denied my second dispute ( Claim # XXXX ) on XX/XX/year>, calling the transaction authorized which contradicts their XX/XX/XXXX letter and my account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On XX/XX/XXXX, Sentry Credit , Inc provides a document regarding the debt owed. 
The " Move Out Statement '' shows a balance of {$140.00} as of XX/XX/XXXX, which Sentry Credit refers to as the " debt owed. '' The debt collector also provides a copy of the " Resident Ledger '', this time showcasing a balance of {$0.00} as of XX/XX/XXXX. The property wrote off the balance and agreed it was a mistake. 
As of today, Sentry Credit , Inc keeps harassing me about this debt that was already resolved years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with all these companies, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.

After speaking with several of these company customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. 

Several of these companies are tarnishing my name and credit profile by reporting these accounts late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX ACCOUNT # 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 2025-08-30 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX ACCOUNT # 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 2025-08-30 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: NJ

Complaint narrative:
I am submitting a Fair and Full Reinvestigation Demand ( FFRD ) for this account because the information being reported is inaccurate and unverifiable. The company has reported conflicting balances, charge-off status, and inconsistent payment history.

I disputed this account with Equifax, TransUnion, and Experian on multiple occasions, most recently in XX/XX/year>2025. Equifax responded that the furnisher verified the account, yet no supporting documentation, such as a signed contract, complete payment history, or lawful assignment records, was provided. 
This failure violates the Fair Credit Reporting Act ( 15 USC 1681i and 1681e ( b ) ), which requires a reasonable reinvestigation and maximum accuracy, and 15 USC 1681s-2 ( b ), which requires the furnisher to investigate and correct or delete inaccurate information.

It also violates the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) and 1692e ( 8 ) ) because reporting unverifiable debt after a formal dispute constitutes continued collection activity and misrepresentation.

I am requesting that this account be permanently deleted from my credit file, that the furnisher cease reporting unverifiable information, and that a description of the reinvestigation process be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NJ

Complaint narrative:
I am submitting a Fair and Full Reinvestigation Demand ( FFRD ) for this account because the information being reported is inaccurate and unverifiable. The company has reported conflicting balances, charge-off status, and inconsistent payment history.

I disputed this account with Equifax, TransUnion, and Experian on multiple occasions, most recently in XX/XX/year>2025. Equifax responded that the furnisher verified the account, yet no supporting documentation, such as a signed contract, complete payment history, or lawful assignment records, was provided. 
This failure violates the Fair Credit Reporting Act ( 15 USC 1681i and 1681e ( b ) ), which requires a reasonable reinvestigation and maximum accuracy, and 15 USC 1681s-2 ( b ), which requires the furnisher to investigate and correct or delete inaccurate information.

It also violates the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) and 1692e ( 8 ) ) because reporting unverifiable debt after a formal dispute constitutes continued collection activity and misrepresentation.

I am requesting that this account be permanently deleted from my credit file, that the furnisher cease reporting unverifiable information, and that a description of the reinvestigation process be provided.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After someone tried to get credit in my name I froze my credit report with all three credit reporting agencies. I have since found out that my experian account has been hacked. My phone number has been changed, as has my email address. Consequently, I have been unable to sign in to my experian account. I have tried everything that I can think of to contact experian, but every effort has been rebuffed. I can not establish contact no matter how I try. I want to buy an XXXX and can not do so without a soft credit check through experian ; and I can not pause the freeze ... because my account has been hacked and experian continues to ignore 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I am filing this complaint because Midland Credit Management is reporting a charged-off account on my credit report, yet continues to list it as an active derogatory collection, damaging my credit profile. This is inaccurate and misleading. If this debt was truly charged off by the original creditor, then the account has already been closed and written off as a loss. Midland can not continue to report it as though it is still collectible without providing absolute proof that I ever agreed for my personal information and account details to be transferred or sold to them.

I never signed or consented to Midland receiving my private financial information, my Social Security number, or any account documents. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, information furnished to consumer reporting agencies must be accurate and verifiable. Midland has failed to provide any original application, wet signature, or written agreement showing I established a business relationship with them. Instead, they are reporting an alleged balance with no lawful proof that they have any right to collect or report this account.

Additionally, the continued reporting of this account as derogatory when it has already been charged off is a deceptive practice. It inflates negative reporting, creates double damage to my credit profile, and violates my right to fair and accurate credit reporting. I have already disputed this account directly, yet Midland continues to re-report the same unverifiable information, which appears to be in violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), specifically 809 ( b ), which requires proper validation of a debt when requested.

Midland is acting as a debt buyer, not the original creditor, and has not proven chain of title or legal ownership of this account. Reporting it to the credit bureaus without verifiable proof is reckless, harmful, and unlawful.

Company response to consumer: Closed with non-monetary relief