vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: OK

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, I filed an Identity Theft Report with the Federal Trade Commission under report number XXXX. I recently discovered that my personal information was fraudulently used to open an account with your company. I did not open, authorize, or consent to this account, and I request that it be closed immediately. 

I ask that you provide written confirmation that I am not responsible for any charges associated with this account and that all information relating to this fraudulent account is removed from my credit files. I have enclosed a copy of my FTC Identity Theft Report for your review. Because the information you are reporting is the result of identity theft and is therefore inaccurate, I request that you cease reporting it to the consumer reporting agencies, as required under Section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

In addition, I have enclosed the FTCs Notice to Furnishers of Information, which outlines your obligations under the law when reporting to consumer reporting agencies. I request that you promptly investigate this matter, delete any disputed items from my credit files, and provide me with a letter confirming your findings and the corrective actions taken.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, I filed an Identity Theft Report with the Federal Trade Commission under report number XXXX. I recently discovered that my personal information was fraudulently used to open an account with your company. I did not open, authorize, or consent to this account, and I request that it be closed immediately. 

I ask that you provide written confirmation that I am not responsible for any charges associated with this account and that all information relating to this fraudulent account is removed from my credit files. I have enclosed a copy of my FTC Identity Theft Report for your review. Because the information you are reporting is the result of identity theft and is therefore inaccurate, I request that you cease reporting it to the consumer reporting agencies, as required under Section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

In addition, I have enclosed the FTCs Notice to Furnishers of Information, which outlines your obligations under the law when reporting to consumer reporting agencies. I request that you promptly investigate this matter, delete any disputed items from my credit files, and provide me with a letter confirming your findings and the corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am disputing a debt reported by XXXX XXXX for {$8500.00}, originally from Navy Federal Credit Union . The debt is being reported as a deficiency balance on a vehicle loan. However, the vehicle has never been repossessed or sold, despite being voluntarily surrendered years ago.

Navy Federal admitted to me that they were just about to start the repossession process years after the loan was charged off, which demonstrates they failed to dispose of the collateral in a commercially reasonable manner as required by law. Because no repossession or sale has taken place, no deficiency balance can exist. 

XXXX is therefore reporting a false and unverifiable balance, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This inaccurate reporting is actively preventing me from obtaining new vehicle financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
Ive disputed the inquiries on each Equifax and Experian and they have refused to investigate each one and to verify that I authorized them. Ive stated I didnt recognize them and they said that they would stay on my report. That violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: UT

Complaint narrative:
This gift card was purchased around XX/XX/year> during that time we were moving and this card was placed in a box and we recently found it. We called the number on the back and tried use the website XXXX When we were trying to get the balance they asked us to fax in our government ID, social security card as well as the card number and 3 digit code from the back of the card. We said no

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: 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: GA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On [ XX/XX/year> ], I transferred {$600.00} via XXXX from my Bank of America checking account to the recipient : Name : LA XXXX XXXX Email : XXXX On [ XX/XX/year> ], I transferred an additional {$900.00} via ACH to : Recipient : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, NC XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX These payments were made as part of what I believed to be a legitimate lease agreement for a house at XXXX XXXX XXXX XXXX XXXX, VA XXXX. I had signed the lease and paid the security deposit and first months rent in advance. However, on XX/XX/year>, the person claiming to be the landlord, XXXX XXXX, demanded additional payments and refused to provide the house key. Following an investigation by the police, it was confirmed that this individual does not hold rightful ownership of the property. 

I filed a claim with Bank of America and requested that they investigate and recover the funds. However, the bank denied my claim, stating that the transfer was processed according to my instructions and therefore they could not reimburse me. They also confirmed that they were unsuccessful in recovering the money. 

I want to stress that these transfers were not voluntary. I was deceived by a scammer posing as a legitimate landlord, and I would never knowingly authorize such transfers if I had been aware it was fraudulent. This was a clear case of fraud, not a willing transaction. 

I have already filed a police report ( Case # XXXX ) and submitted a report to the IC3 ( Internet Crime Complaint Center ). 

I am filing this complaint because I was the victim of fraud, and despite providing details and supporting information, the bank refused to take responsibility or provide reimbursement. I believe consumers need stronger protection in cases where fraudsters exploit XXXX to trick customers into authorizing transfers under false pretenses.

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: 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: DE

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and I am a victim of identity theft. I am writing to dispute the accounts that have been opened and used without my knowledge or authorization, and they do not belong to me. Under the Fair Credit Reporting Act, I request immediate deletion, as they are the result of criminal activity and do not reflect my true credit history or responsibility. These fraudulent items have caused damage to my credit reports, ruined my creditworthiness and credibility, and caused damage to my financial standing over the past few years. I am requesting immediate removal of all accounts in this report, an accurate investigation, and proof of removal, along with investigation documentation once complete, from all parties. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: DE

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and I am a victim of identity theft. I am writing to dispute the accounts that have been opened and used without my knowledge or authorization, and they do not belong to me. Under the Fair Credit Reporting Act, I request immediate deletion, as they are the result of criminal activity and do not reflect my true credit history or responsibility. These fraudulent items have caused damage to my credit reports, ruined my creditworthiness and credibility, and caused damage to my financial standing over the past few years. I am requesting immediate removal of all accounts in this report, an accurate investigation, and proof of removal, along with investigation documentation once complete, from all parties. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I moved last year. When I contacted the company I was told to provide a copy of my bank statement showing new address. Requested information was sent. During this time I was not allowed to use my credit card. I called again in XXXX inquiring about issue. I still was not allowed to use the credit account. I paid off the account in XXXX of this year. The credit card company proceeded to add a yearly fee, interest fees, monthly fees on an account that was paid off and closed. That is the only balance in the account. I am not paying fees on an account that was paid off and closed. When I called about it they said they could not remove fees. Absolutely ridiculous. The so called supervisor then proceeded to hang up on me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
I ordered a delivery from XXXX XXXX  which was not delivered as ordered. The item received was not what was ordered and pictures were tendered. The merchant ( XXXX XXXX ) refused to provide refund in which I dispited the transaction with Cash App. Cash app begins the dispute process and after about XXXX or so weeks, XXXX  begins to try to charge my card for the amount which was disputed. Not having received my credit yet I began to contact cash app support asking for the meaning of this and why I havent received an update yet as they said would receive an update in about a week. Cash app continues from then to ignore my statements and requests for information regarding the dispute. Ive notified cash app support that XXXX XXXX  ( the merchant ) has begun to attempt to charge my cards for the amount I disputed and Im confused as to why cash app has not credited me for the amount that was disputed. After days and days of contacting support they refuse to give me any information regarding the dispute and are withholding my funds that was returned via dispute. I believe that is completely unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, I am writing to formally dispute a debt that your company claims I owe related to an account or alarm service allegedly provided by your organization. In the amount of {$1000.00} I have never opened any account with your company, nor have I authorized or used any services, including but not limited to any alarm or security system services you may claim were rendered. I am unaware of any contractual or financial relationship with Zion Debt Withholdings, and therefore deny any obligation to pay this alleged debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Provide full validation of the debt, including a copy of the original contract allegedly signed by me, documentation of the services rendered, and a complete itemized statement of charges.

Cease all collection activity until such validation is provided.

Remove any record of this alleged debt from any consumer reporting agencies if this debt can not be properly validated.

Please note that any continued attempts to collect on this alleged debt without providing proper verification may be considered a violation of the FDCPA and reported to the Federal Trade Commission and the Consumer Financial Protection Bureau.

I am also requesting that all future communication from your company be conducted in writing only.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed by the lender Auto Now Finance Services. The car was taken from my brother 's residence, I paid twice for XXXX on the XXXX and the XXXX and the company wanted me to pay on the XXXX, which was strange because I had been told that I was only to pay twice every month. I was not behind on any payment and was current and my vehicle was still taken during XXXX XXXX weekend, I believe this was truly unlawful and unfair to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Captial one credit report on XX/XX/year>2025 im not aware of this inquiry i did not open any account it was opened without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding Equifaxs continued reporting of a XXXX XXXX account on my credit file. Despite my repeated disputes, Equifax continues to verify this account as accurate, even though neither Equifax nor XXXX XXXX has provided sufficient documentation proving that this debt belongs to me. 

The account remains inaccurate and unverifiable for the following reasons : No proof of ownership : Neither Equifax nor XXXX XXXX has provided documentation with my signature or any legally valid evidence that this debt is mine. 

No itemized accounting : No detailed statement has been provided to show how the alleged balance of {$160.00} was calculated. 

Failure to reasonably investigate : I have disputed this account multiple times and Equifax continues to verify it without supplying any supporting evidence from XXXX XXXX. 

Inconsistent reporting : Both Experian and TransUnion have removed this account from my credit reports. Equifax is the only credit bureau that continues to report it. 

This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete or correct inaccurate, incomplete, or unverifiable information. 

Harm caused : The continued inaccurate reporting of this account has damaged my creditworthiness, limited my financial opportunities, and caused ongoing stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Ive disputed the inquiries on each Equifax and Experian and they have refused to investigate each one and to verify that I authorized them. Ive stated I didnt recognize them and they said that they would stay on my report. That violates my rights under the FCRA.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a computer part ( XXXX card ) in person from someone I met online on XXXX. They gave me defective item and I paid them through XXXX. I got scammed because I thought the item would work. 
Neither XXXX nor my bank helped. All I have from the person is their phone number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I became unemployed in XX/XX/XXXX. I was able to keep up with payments until XXXX of XXXX. I contacted Village Capital and Investments LLC in XX/XX/XXXX and was informed that there was nothing that they could do until I was 3 months behind. At this same time I received a letter stating my payments where going up by approx XXXX dollars a month. My original monthly payment was XXXX dollars a month and the new cost was XXXX dollars a month. The explanation given was that the company did not take enough money for the escrow when I purchased the house. The house was purchased in XXXX of XXXX, the escrow that Village Capital was collecting was {$120.00} per month. I was told that they couldnt find any tax documents they could base the true cost off of, for 16 months they were not able to find any tax documents but in the Escrow analysis of XX/XX/XXXX they said the taxes would be XXXX dollars they also claimed that there was no change to those taxes despite my filing of the XXXX exemption in Texas as well as being a XXXX vet. After XXXX  months I was contacted stating that they payment was correct, even though there was no change in the tax evaluation from the company and my investigations showed the owed takes would be XXXX dollars. I was chastised for using the XXXX dollar refund I got from the tax office to continue to be able to survive while unemployed and told I would need to borrow money or figure out a way to pay the shortage that they created. I told them I could increase my monthly mortgage payment to XXXX dollars once I was employed, which happened on the XXXX of XX/XX/XXXX, my new salary was basically half of what I was making before. The person who continues to call is rude and unempathetic, they wont listen to what I have been trying to explain. I also do understand that I am being help at fault for the incorrect numbers that Village Capital initially set for my loan. I have no say in the values of the payment except for the inital monthly amount I told them I could afford. I also did an XXXX  before I was laid off and the payments werent changed then either. The XXXX was done with Village capital. I do not want to lose my house, I do not have XXXX dollars available to pay this off. I want to continue paying my mortgage but Village Capitols practices are predatory, greedy and underhanded. A mortgage company would know the tax rates of a property and would have personnel that can obtain that information regularly. Please assist with this debacle I find myself in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This account does not belong to me. I have not then/ or now established such account.

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