vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account ending in in the last XXXX digits # XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
my old buddy stole my wallet when I needed a place to stay for a while and he stole my social security card and applied for a bunch of credit cards and stole a bunch of money from me. im trying to start a small business and this is holding me back from doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
my old buddy stole my wallet when I needed a place to stay for a while and he stole my social security card and applied for a bunch of credit cards and stole a bunch of money from me. im trying to start a small business and this is holding me back from doing that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have been a member of navy federal for years and throughout those years I have had a few issues. This is not my first time making a formal complaint. I was on a cruise from XXXX XXXX. When I returned home I received a notification that an account was reported 30 days late. I checked and I see XXXX federal shows a payment wasnt made for XXXX. I actually paid 2 times in XXXX. Once in the beginning of the month and another on the XXXX of XXXX. I was on a cruise with very sketchy service as I made the payment but screenshot the page showing my payment was made but I never received an email showing the confirmation. I contacted navy and find out no payment was made after I got home and did not see a withdrawal for the payment. I did remake the payment on the day I returned but that was also the statement day now my account is 30 days late. I understand this issue is neither of our faults because I was on a cruise and went online to pay as usual but there is a chance something failed. Im not blaming anyone I am just asking for a little grace with this issue considering Ive never been 30 days late and I am closing on my home so this issue can damage the whole deal. Last time I made a complaint about navy federal they were short on every call with my and refused to speak on my account and closed one of my credit cards. And that was because they lost my car title and never perfected the lien. I rather not have a retaliation issue this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I paid a {$690.00} fee for the American Express platinum card with the understanding that this would provide me access to their airport lounge. 
Today was the first time I have ever tried to use this feature. I am at XXXX airport at XXXX. The lounge closes at XXXXXXXX XXXX  My business finished early and I just wanted to go in the lounge for a couple of hours to get a bite to eat. My flight does not board until XXXX in the XXXX and I was denied access because " my flight does not depart within XXXX hours ''. This is the first time I have ever heard of this rule, and quite honestly, lounge access ( which i have never used before ) was one of the only reasons I ever agreed to pay {$690.00} for this card. The 6 hour rule was never disclosed up front, and quite frankly, I would like my {$690.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to file a formal complaint against Discover Financial Services regarding an unauthorized credit inquiry and subsequent denial of credit. 

In XX/XX/year>, Discover performed a hard inquiry on my credit report without my knowledge or consent. I did not submit an application for credit, nor did I authorize any credit check with Discover at that time. 

Following this unauthorized inquiry, I received a notice of credit denial from Discover, which has negatively impacted my credit score. I find this action to be both improper and harmful, as it constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires a consumers explicit authorization before accessing their credit report. 

I have contacted Discover regarding this matter but have not received a satisfactory resolution. Therefore, I am seeking the CFPBs assistance in investigating this matter and ensuring that Discover is held accountable for this unauthorized activity. 

I request the following actions : Removal of the unauthorized credit inquiry from XXXX credit bureaus A written explanation from Discover detailing how and why this inquiry occurred Any corrective action needed to remedy the damage caused by the denial and inquiry I am attaching supporting documentation, including a copy of the credit denial notice and my credit report showing the unauthorized inquiry. 

Thank you for your time and attention to this matter. Please let me know if additional information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
My Experian credit report contains multiple items that are inaccurate, unauthorized, or do not belong to me. Specifically : XXXX. XXXX accounts from companies such as XXXX XXXX XXXX XXXX and XXXX XXXX were added to my report without any prior notice or validation. I was never contacted by these companies before they reported the debts. I did not receive any debt verification or legal notification as required under the Fair Debt Collection Practices Act ( FDCPA ). 
2. My report also shows numerous hard inquiries that I did not authorize or initiate. These include inquiries from lenders and dealerships such as Ally Financial, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and others. Many occurred on the same day or very close together in XXXX and XXXX, which suggests my credit was accessed without my consent. 
3. Additionally, incorrect personal information appears on my file, including outdated or unfamiliar addresses and employers I have never worked for. 

These errors have significantly impacted my credit score and my ability to secure financing. Ive tried to dispute some of these items with Experian but have not received a full or fair resolution.

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 2025-07-27 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: AL

Complaint narrative:
[ SEE ATTACHMENT FOR ACCOUNT SPECIFIC DETAILS ] I am disputing a collection account listed on my TransUnion credit report under the name XXXX. The account contains multiple serious reporting errors and appears to be unverifiable. Here are the problems : The account lists an open date of XX/XX/XXXX, but does not include a Date of First Delinquency ( DOFD ). That date is required by FCRA 1681c ( a ) ( 4 ) to determine how long the account can legally remain on my report. If XX/XX/XXXX is effectively the XXXX, then this account is likely beyond the XXXX ( plus XXXX ) reporting limit and should have been removed. 

There is no account number, creditor name, address, or contact information provided. The account number shows only as XXXX, and the Creditor Contacts section of my report does not list any entity associated with this account. I believe this account may relate to the Alabama Department of Human Resources, but TransUnion has failed to list them or any way to confirm that. This makes it impossible for me to verify or investigate the account, which violates FCRA 1681e ( b ). 

The payment data is contradictory and misleading. The report shows a balance of {$36000.00} and a recent payment dated XX/XX/XXXX. But there is no payment history, and the monthly payment, credit limit, and high balance all show as {$0.00}. The past due amount does not match the current balance. This is confusing and inaccurate, and violates FCRA 1681e ( b ) due to incomplete reporting.

Finally, this account is not reported by XXXX  or XXXX, which further suggests it may be incorrect or outdated. I submitted a formal dispute directly to TransUnion and received no valid creditor identification or reinvestigation results that correct these problems.

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 2025-07-28 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:
I reviewed my credit report today like I normally do, but this time I noticed unexpected discrepancies. I even tried refreshing my browser to rule out any technical glitch, but the inaccurate accounts still appeared. Because of this issue, Im requesting that the documents I submitted be reviewed carefully so I no longer have to worry about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
I am submitting a formal complaint against TransUnion Consumer Solutions for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account Name : XXXX Account Number : XXXX Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: V and H Portfolio
State: SC

Complaint narrative:
Letter was sent/date : Original letter was sent XX/XX/year>. Follow-up letter was sent XX/XX/year>. 

VANCE AND HUFFMAN LLC To : XXXX XXXX XXXX XXXX, VA XXXX Balance : XXXX Dear VANCE AND HUFFMAN LLC I am writing in reference to your recent communications regarding an alleged debt you claim I owe. As per my rights under applicable consumer credit laws, I previously requested documentation to verify and validate this debt. ( Actual physical documents, not just hearsay ). To date, I have not received any such documentation or adequate proof to support your claim. 



Please be advised that until proper documentation is providedsuch as a copy of the original credit agreement, itemized statements, or assignment of debtI do not acknowledge any liability for this debt. It is your responsibility as the creditor to furnish clear evidence that the debt is valid and that you have the legal right to collect it. 



I request that all collection activity cease until this matter is resolved. Additionally, if you are unable to provide proof, I ask that you confirm in writing that the matter has been closed and that no further contact will be made. 



Please respond within 15 days from the date of this letter. Failure to provide the requested documentation may result in a formal complaint being filed with the appropriate regulatory authorities/lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I reviewed my Experian credit report and found multiple accounts reporting inaccurate and unverifiable information. These accounts include several XXXX XXXX XXXX XXXX XXXXXXXX accounts ( ending in XXXX, XXXX, XXXX, XXXX ) and a XXXX XXXX  XXXX  account ( ending in XXXX ), all listed as charge-offs. 

I submitted formal disputes to Experian requesting validation documents, including the original signed contracts, full payment and balance history, the date of first delinquency, and the full chain of assignment for collections. Despite these requests, Experian marked these accounts as verified without providing any supporting documentation. 

This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), requiring reasonable procedures for accuracy, and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requiring correction or removal of unverifiable information. 

I request that Experian provide the requested validation documents or remove the unverifiable accounts from my credit 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 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Ok really I'm wanting my cash app back open. It says I violated terms. The original cash app taXXXX XXXX XXXX..... was associated with my phone number XXXX and email XXXX but when I got a new phone and went to log in it set up a new account. And it asked me if I should put my number and email on this account well since it's my phone number and email i did that and that's when they shut down my account and I can not log into the old one. Can we combine the 2 accounts. The new cash app tags is XXXX XXXX XXXX.. with my email and phone number. The old cash tag is XXXX XXXXXXXX.... and I took my phone number and email off it and put it on the new one with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account ending in in the last four digits # XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I returned equipment to XXXX with proof, yet CCS continues to collect a debt that was deleted from XXXX  after dispute. I submitted documentation to CCS, but they continue to pursue and report this account. This is harassment and an FDCPA and FCRA violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I disputed a rental debt reported by National Credit Systems ( NCS ), requesting full verification including the signed lease, itemized charges, proof of move-out condition ( photos or inspection report ), and proof that notice of the debt was sent to my correct mailing address. On XX/XX/year>, XXXX responded but only provided the lease and itemized charges, failing to supply the required proof of proper notice or move-out condition. This incomplete verification violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I previously filed a complaint ( CFPB claim ID XXXX ) but the issues remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>XXXX  with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion

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 2025-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
XX/XX/2025 I noticed multiple accounts reporting on my Credit report that I didn't apply for and I received a letter stating my information was leaked in XXXX XXXX XXXX breach and I started searching to see if it was leaked elsewhere and it was multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was unaware that this was on my credit report. I reached out to IC System Inc. I asked for a statement and proof of debt, I was told I would receive a statement in the mail, I have not received anything. I am asking for this item to be removed from 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