vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to Aldous And Associates. Attached to this complaint is my written validation request, which clearly lists the documents that Aldous And Associates must provide under the Fair Debt Collection Practices Act Aldous And Associates to prove the debt is valid and legally collectible. This includes proof of ownership of the debt by purchase agreement, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. 

I am submitting this request through the CFPB to ensure that Aldous And Associates receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Someone tried to deposit a check into my account that I didn't authorize and it's causing me not to be able to open a checking account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
Upon reviewing my Consumer Reports, I discovered some instances of these accounts are not authorized to be on my report. XXXX, XXXX, XXXX reports are attached to this report. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Viva Finance Inc.
State: FL

Complaint narrative:
I HAVE CALLED MULTIPLY TIMES ASKING COMPANY TO UPDATE CREDIT FILE ACCORDING TO FCRA RULES, TO NO AVAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent monet to my friend in XXXX to help him with his XXXX medicine, whichis very expensive.Later that same day I received an email from a scammer trying to get money from me, so I paniced, called my bank and PayPal. The bank told me not to worry and the scammer could not get that moneythey sent, I notified PayPal, as did XXXX, When PayPal got the money, they put it in my friends account and locked it, on him! That was back on XXXX XXXX XXXX, ,They still have not released that money to him. I asked why, they said because its XXXX and a large amount of money.Well then they said my bank and they had to investigate. My bank said that was a liem they told that to PayPal and also told them they would ruled in my favor. That email I have from PayPal, so I asked fine, give my friend the money I sent him. They still have not done so. They said he would have to call them and answer some questions, which he has done. They told him, he must be patient, ,Thats 9 months ago! I have also read other complaints they have done this to others that use PayPal, especially large money, and then keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for failing to process the total loss of my vehicle, a XXXX XXXX XXXX ( XXXX : XXXX ), despite receiving full payment from my auto insurance and GAP provider. 

On XX/XX/XXXX, my insurance provider ( Tennessee XXXX XXXX XXXX ) declared the vehicle a total loss. 

On XX/XX/XXXX, they issued a payment of {$20000.00}, which XXXX received and cleared by XX/XX/XXXX ( Check # : XXXX, PO ID : XXXX ). 

On XX/XX/XXXX, XXXX insurance ( XXXX XXXX, Claim # XXXX ) paid the remaining {$720.00}, fully satisfying the loan. 

I have reached out weekly since early XXXX, trying to resolve this. XXXX has given conflicting and misleading information : XXXX week in XXXX, my account showed it was paid in full. 

The following week, I was told I owed a monthly payment. 

On XX/XX/XXXX, a representative even stated I owed the full balance of {$23000.00}, despite all payments being completed and received. 

This has caused unnecessary stress, confusion, and fear of damage to my credit. I am requesting CFPB assistance to compel XXXX to : Apply all payments correctly and close the account. 

Provide written confirmation that the loan has been satisfied. 

Remove or correct any adverse credit reporting. 

Explain in writing why the account was not processed in a timely or accurate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Using my Chase Sapphire Preferred card, I activated a Chase XXXX  offer ( spend more than {$400.00} on a single transaction on the Chase XXXX booking through the Chase XXXX XXXX, make a purchase by XX/XX/year> XXXX XXXX  XXXX, the travel occurs before XX/XX/year> ; receive a XXXX reward points bonus ). 

I booked a hotel on Chase XXXX  on XX/XX/year> at around XXXX XXXX  XXXX for {$410.00}. The hotel booking is XXXX XXXX XXXX I received an email from Chase XXXX confirming the purchase at XXXX XXXX  XXXX on the same day. 

On XX/XX/year>, XX/XX/year> and XX/XX/year>, I called Chase XXXX times about not receiving the bonus, despite satisfying the stated travel offer terms. Chase sent me a letter and answered my calls saying that because the transaction was posted in XXXX, I do not qualify for this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am writing to dispute the presence of accounts on my credit report that I did not authorize, open, or manage. These accounts have been reported under my name without my knowledge or consent and are entirely inaccurate. 

This is a serious misrepresentation of my financial history and a violation of my rights as a 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 2025-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
i paid when received the first bill and keep getting billing over and over for the same bill i already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Im filing this complaint to formally dispute an inaccurate and unauthorized collection account being reported on my credit by TransUnion. I previously sent a cease-and-desist notice to the debt collector under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( c ) ), yet they continue to report this account. That ongoing reporting is not only a violation of the FDCPAit also violates the Fair Credit Reporting Act ( FCRA ) since the information is inaccurate and remains on my report even after being disputed. This has negatively impacted my credit and financial stability.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX to provide me a copy of receipt evidencing payment by PennyMac Loan Services , LLC for my home insurance policy for the property located at XXXX XXXX XXXX XXXX MI XXXX and the current status of my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I submitted an application for the Income-Based Repayment ( IBR ) plan through StudentAid.gov. During the application process, I was not shown the monthly payment amount I would be required to pay. The site required me to authorize a plan change and submit income verification without ever disclosing my calculated payment not even an estimate. 

This means I effectively agreed to a financial contract without being told what it would cost. This violates basic consumer protections and would not be legal in other areas of financial services. No borrower should be expected to commit to a repayment plan without seeing the payment amount in advance. 

After submitting, I learned my new payment would be over $ XXXX, a substantial financial obligation that I was not shown beforehand. I am deeply concerned that this process constitutes a lack of informed consent, and may not meet legal standards for fair disclosure in lending. 

I am requesting that the CFPB investigate this issue and that the Department of Education be required to redesign the IDR application to include mandatory monthly payment disclosure prior to submission.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
i am filling a complaint against Cashapp ( Block , Inc. ) due to the end adequate customer service and unfair parties which violate the consumer financial protection act CFPE specifically Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerabilities and unprotected for the more this was the result process was unfair and deceptive as they did not complex error, resulting requirements under the electronic fund transfer actually EFTE and regulation E those actions have called significant inconvenience financial law, and I see the appointment appropriate read address for all funds lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures align with my own experience, where Experian has neither corrected nor removed disputed items despite the supporting evidence I provided. This negligence is causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction constitutes a violation of federal law and infringes upon my rights as a 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 2025-08-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: CT

Complaint narrative:
I am receiving collection attempts from National Enterprise Systems , Inc. for a private student loan originally issued in 2004 by XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX The account is now being pursued on behalf of XXXX XXXX XXXX XXXX XXXX 
This debt is well past the statute of limitations in my state ( Connecticut ), where the limit is 6 years. I have never made a payment, and the loan originated over 20 years ago. I've requested validation and received only a copy of the original promissory note. Despite that, the collector continues to pursue collection, which may violate the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting that CFPB investigate and require National Enterprise Systems to cease all further collection efforts and acknowledge this debt as time-barred.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Good day, Im reaching out in deep frustration over a debt that has appeared out of nowhereunverified, not mine, and yet its now haunting my credit. Ive been getting constant messages, calls, and even threats of legal action over something I never owed or agreed to. This is not just confusingits absolutely distressing. As someone who takes financial responsibility seriously, this situation feels like a complete violation of my rights. Its affecting my mental health and my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX CT AL XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that XXXX do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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