vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Unauthorized electronic transfers denied by Navy Federal, totaling {$5300.00}. Navy Federal improperly denied my dispute and appeals, provided no explanation, and failed to comply with Regulation E requirements. 

Details : In XX/XX/year>, {$5000.00} was transferred by someone who added my debit card to their XXXX XXXX account. I did not have an active XXXX XXXX account ; XXXX XXXX confirmed in writing that these transactions did not originate from me.

Additional unauthorized charges totaled {$350.00}.

Navy Federal denied my dispute and appeal without explanation or documentation.

I filed complaints with NCUA, which were transferred to CFPB.

I have all supporting documentation, including emails, screenshots, dispute forms, and correspondence with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Self Financial Inc.
State: NY

Complaint narrative:
So I had a account with XXXX XXXX XXXX but its showing on my credit report that I have had two accounts with them and in one of the accounts its showing that its two late payments. I have never had two accounts with self credit builder I have only had one and it was open XX/XX/year>, and it was with south state bank and I was never late. That account that was open was not by me. Below I will attach images to show you which account does not belong to me. The one that says self lead is the account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 2025-11-15 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I request that this be removed and that you provide written notice confirming the deletion.

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 2025-11-15 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: MD

Complaint narrative:
I request that this be removed and that you provide written notice confirming the deletion.

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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I HAVE MAILED ( 12 ) SEPERATE LETTERS MONTHLY FROM XXXX TO XXXX REQUESTING WRITTEN VERIFICATION OF THE ACCOUNT AND RECORDS SHOWING PROOF OF THE LATE PAYMENTS AND DEBT OWED. THAT INFORMATION WAS NOT PROVIDED. EQUIFAX AND TRANSUNION HAS REMOVED THIS NEGATIVE ACCOUNT FROM MY FILE, BUT EXPERIAN HAS NOT. IF THIS ACCOUNT CAN'T BE VERIFIED IN WRITING, I WILL LIKE IT REMOVED FROM MY EXPERIAN ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I am a victim of XXXX  XXXX and I am currently living in a XXXX XXXX XXXX for my protection. The person who committed the XXXX against me was arrested, and during this period of crisis, unauthorized transactions were made on my Destiny credit card without my knowledge, permission, or consent. 

I did NOT give anyone my card, my PIN, or any authorization to use my account. These charges were made while I was dealing with an active XXXX  XXXX case, and I provided Destiny with my police report number and supporting documents. 

I contacted Destiny and requested full transaction details, merchant information, copies of receipts, dates, and all documentation related to the fraudulent charges. I also requested the status of their investigation and a provisional credit as required under Regulation Z for unauthorized credit card use.

Destiny did NOT provide the information I requested, and they have not issued the required provisional credit. The unauthorized charges are still showing on my account, which is causing additional financial harm and stress while I am in a XXXX XXXX safe shelter.

I am requesting CFPB assistance because Destiny has not followed proper dispute procedures, has not complied with Regulation Z, and has not taken the steps needed to protect me as a XXXX XXXX dealing with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
My credit file contains fraudulent negative accounts and unauthorized/duplicate hard inquiries as a result of the XXXX XXXX XXXX XXXX XXXX # XXXX ). Despite submitting an FTC Identity Theft Report and invoking my rights under FCRA 605B, the credit bureaus continue to report these items and rely on automated EOSCAR " verified '' responses instead of conducting a reasonable reinvestigation as required by {$610.00}. Relief Requested : Delete all fraudulent negative accounts. Delete all unauthorized and duplicate hard inquiries. Provide written confirmation that these items that these items have been permanently blocked and that no reinsertion will occur without full compliance with 611 ( a ) ( 5 ) ( B ). Failure to comply will result in further escalation and legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: MO

Complaint narrative:
I am challenging the reporting of late payments and delinquency on my accounts, as those entries do not reflect the actual agreement or payment history. I request that the entries be corrected to Paid as Agreed and that any indication of delinquency be expunged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CT

Complaint narrative:
I request that this be removed and that you provide written notice confirming the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX was sent to my XXXX address. XXXX operates off the same network meaning the transaction was completed and deposited to their XXXX wallet. Due to unfair and fraudulent business practices, instead of resolving these concerns with customers, XXXX  and PayPal instead try to act oblivious of how crypto currency works to get free money for themselves, unfortunately this is the United States and they should not be practicing real money or virtual currency transactions without the ability to recover funds like every other operating agency on the United States. 

They refuse to help me, they refuse to check the confirmation links to recover my funds, they are in blatant denial and believe they can get away with this fraud but I will not stop until I get my hardship funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: MI

Complaint narrative:
Kraken is withholding approximately {$140000.00} belonging to my business. My Kraken business account is frozen, and I am completely blocked from withdrawing crypto or USD. Kraken has not given any explanation, notice, or timeline for resolution.

All verification requirements were completed long ago. The freeze happened suddenly without reason, and my company has now been locked out of accessing its own funds. This is causing serious and immediate financial harm to my business.

Kraken is refusing all communication : They do not answer emails They blocked me from their XXXX  support groups They blocked me from Krakens XXXX support page Their support system provides no human response or escalation No explanation was ever provided Kraken, as a licensed money services business, should not freeze business funds without a valid justification or completely ignore a customer with such a large balance. The company is withholding {$140000.00} of corporate assets with zero communication.

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 2025-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Yesterday morning, I went to XXXX to go shopping and when I came outside, my car is no longer in the parking lot so I called TD auto finance to ask was my car repossessed and the lady on the phone said yes so then she transferred me to someone to talk about how I can get my car back. I sat on the phone for over two hours every time I called to ask where I could get my car from. Before all this every time they called to collect my bill I would answer the phone and theyre in would hang up so I was already having difficulties paying the bill because every time I go to answer the call to pay the bill cause I know thats why they were calling. They would never stay on the phone. Secondly, I already told them Im dealing with financial issues right now and thirdly. I had possessions in the car, including my daughters clothes and other personal items and I didnt receive a warning that my car is being picked up. I didnt receive a warning what time theyre coming to get it and I was not notified that my car is going to be repossessed that day because like I mentioned Before nobody would stay on the phone when I contacted them or when they contacted me about when I was gon na pay my bill because I was already late on paying my bill. And I feel that it was very unprofessional because what if I had my child with me this day because I have my child with me often and what if I have my child with me this day me and my child wouldve been left stranded at XXXX if I did not have a ride And on top of that, Im in the parking lot for almost 2 hours. Trying to figure out my car with the car full of groceries and I got no warning or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please delete this account immediately 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
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
My card was linked to cash app and money from my account was used to send money to some scammers. When I brought this to cash app attention they told me my dispute was denied. Even though I sent in all the proof to help my claim they still denied it and said that's basically money I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute and request for debt validation to Sequium Asset Solutions regarding an alleged XXXX XXXX collection account. This request was timely under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and required Sequium to provide validation within 30 days and to cease all collection activity until validation was mailed. Sequium failed to provide any response or documentation. 

On XX/XX/year>, after Sequium ignored my initial request, I retained an attorney who sent a formal demand letter again requesting validation. That letter specifically demanded : ( 1 ) original creditor information, ( 2 ) an itemized breakdown of the alleged amount owed, ( 3 ) proof of assignment agreement, ( 4 ) a signed contract, and ( 5 ) statute of limitations compliance. Sequium again failed to comply. Instead, Sequium continued collection activity and transferred the disputed account to XXXX XXXX. 

On XX/XX/year>, XXXX XXXX contacted me directly with a settlement offer, stating the alleged balance was {$840.00} plus {$150.00} in fees, for a total of {$1000.00}, and offering a reduced payoff of {$600.00}. This communication was sent directly to me despite notice of attorney representation and without ever providing the legally required validation. Neither Sequium nor XXXX XXXX updated credit reporting to reflect that the debt was disputed. 

These actions constitute violations of federal law, including : 15 U.S.C. 1692g ( b ) : continuing collection activity without validation after a timely written dispute.

15 U.S.C. 1692f : unfair practices by transferring a disputed debt.

15 U.S.C. 1692e ( 8 ) : failure to mark the tradeline as disputed in credit reporting.

15 U.S.C. 1692c ( a ) ( 2 ) : direct communication with the consumer despite attorney representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request under the Fair Credit Reporting Act ( FRA ) for the deletion of all outdated or inaccurate personal information from my credit file. All previous addresses listed on my credit file are inaccurate and outdated. These addresses should be immediately deleted and replaced with my current and only valid address listed below. 
My only valid and current information is as follows : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Please update your records accordingly and confirm the removal of all outdated information within 14 days of receipt of this letter. 
Thank you for your cooperation and prompt attention. 
Sincerely, 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 2025-11-15 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: MO

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-15 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: MA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-15 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  is inaccurately reporting late payments on my credit 30 days plus for XXXX and XXXX but i paid on the XXXX day. Their system apparently has a XXXX pm cut off time that i was unaware of. I didnt sign up for them nor was I provided notice of this policy. They bought my loan from the previous company. I got off work at 11 and paid. I did pay prior to midnight so on the 29th day but because of their system delay it reported the next day instead of the day i initiated the payment. They ruined my credit.

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